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NI Addy to My Unpdd Principal: If I choose to pay the Limited Payment, my monthly payment o mw be Im than the amount of the interest portion of the monthly payment that would be sufficient to repay the unpaid principal I owo at the monthly payment date in full on the maturity data in substantially equal payments. If so, each month that the Limited Payment is loss than the interest portion, the Note Holder will subtract the Limited Payment from the amount of the interest portion and will add the difference to my un- paid principal. The Note Holder will also add interest on the amount of this difference to my unpaid principal each month. The interest rate on the interest added to principal will be the rate required by Seddon AI8) above. 181 Limit on My Unpaid Principal; Increased Monthly Payments: My unpaid principal can never exceed a maximum amount equal to one hundred twenty -five percent (125 %) of the principal amount I originally bor- rowed. My unpaid principal could exceed that maximum amount if I pay a Limited Payment. If so, on the date that my paying my Limited Payment would cause me to exceed that limit, I will instead begin paying a new monthly payment until the next rate change date. The new monthly payment will be in an amount which would be sufficient to repay my then unpaid principal in full on the maturity date at my current interest rate in substantially equal payments. 1181 Required Full Payment: Beginning with the first monthly payment after the final Rate Change Date, I will pay the Full Payment as my monthly payment. B. LOAN CHARGES: It could be that the loan secured by the Security Instrument is subject to a law which sets maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be collected in con- nection with the loan would exceed permitted limits. If this is the case, then: (1) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already col- lected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. C. PRIOR LIENS: If Lender determines that all or any part of the sums secured by this Security Instrument are subject to a lien which has priority over this Security Instrument, Lender may send Borrower a notice identifying that lien. Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating that lien to this Security Instrument. D. TRANSFER OF THE PROPERTY: If there is a transfer of the Property as described in the Security Instrument, Lender may require (1) an in- crease in the current Note interest rate, or 12) an increase in (or removal of) the limit on the amount of any one interest rate change (if there is a limit), or 13) a change in the Base Index figure, or all of these, as a condition of the Lender's waiving the option to accelerate provided in the Security Instrument. By signing below, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. Donald J eifeld Borrower Borrower m io c� 8lt ADJUSTABLE RATE LOAN RIDER Fec►� a e�