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moothly -psymerit; until the next rate change ditto. The now monthly payment will be in an amount which <br />would be Wildcat to repay myth unpaid principal in full on the maturity date at my current Interest rate <br />in substantially equal payments. <br />(10 Requlirsd Fall Payment: Beginning with the first monthly payment after the final Rate Change Dote. I <br />will pay the Full Payment as my monthly payment. <br />B. LOAN CHARGES: <br />It could be that the loan secured by the Security Instrument is subject to a taw which sets maximum loan <br />charges and that law Is interpreted so that the interest or other loan charges collected or to be collected in con- <br />nection with the loan would exceed permitted limits, If this is the case, then: 11) any such loan charge shall be <br />reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already col- <br />lected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to <br />make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. <br />C. PRIOR LIENS: <br />If Lender determines that all or any part of the sums secured by this Security Instrument are subject to a <br />lion which has priority over this Security Instrument, Lender may send Borrower a notice identifying that <br />lion. Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating that Hen to <br />this Security Instrument. <br />D. TRANSFER OF THE PROPERTY; <br />If there is a transfer of the Property as described in the Security Instrument, Lender may require (1) an in- <br />crosse in the current Note interest rate, or (2) an increase in (or removal of) the limit on the amount of any one <br />interest rate change (if there is a limit), or (3) a change in the Base Index figure, or all of these, as a condition of <br />the Lender's waiving the option to accelerate provided in the Security Instrument. <br />By signing below, Borrower accepts and agroes to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />Donald J-.'-LeifeldjV Borrower <br />Borrower <br />E861.444 <br />