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86-- 104581 ( 5) _" If this box is checked, the interest rate that I pay shall not decrease more percentage points, on any Kate Change Date. (6) .�.�p If this box is checked, the interest rate that I pay shall never be more than during the pertAd I have my loan, (;) If this box is checked. the interest rate that I pay shall never be less that during the period I have my loan. (8) ? If this box is ehe&ed, the princ4sil and interest payment that I pay sW not increase more than --- - ......._ percent on any Payment Change Plate (9) If this box is checked, the principal and interest payment that I pay shAR sot decrease more than . _ percent on any Pavasent Cbmw Da#e . The \ote Holder will adjust the interest rate on each Irate CbaW Date and on err Pavmertt Change ,Date so that the change in the interest - not be more than those limits nrsrked abovr� The monthly payment atnmMU will � oo Payerattt Cimnge Dated provided in the NXote. Because pays ne-nt changes may occur less often than iritereat rate duages mWerr xamy be to certain limitations € t- ..;rrii+ed in the Note the Mthly pays ens may be insaiffident at finim to ae- ierumg iatesest. In arc's tea. -r. unpaid interest is added to the p balance of the Note arad �rarli interest thereafter. 1 n+trr tip rtrrca td tits "totem the rmttad ptamcipal balatnne r� tresrt r€ereed k tttn anoint equal to One Hundred ty -F Percent (125% of the bartirna� K" Notice of Changes The Note Fender will mail r a racer by filst rliss mud of any rhanoms in My interest rat* and t e, amount of my monthly payment at t Zboty and no snort than forty-five days begmr+t each Pmt. CU=W Date. The notice will ins hide tiger requived tn' lbr to be given, nee and 2360 the titfe and number of a who w& answer a* queonons i nray have thte nuft Ilse notkit[c awl a I include the informatvonr (:1 The Fize,3 Inulvot Rate T wa pw if I doe to rem my kon inte a Fixed tip Rot* Loan &A de*cri ecl in Sect€iam 3 btlli - I nw amount Of my P*Y=rw at dw Riled Irate of Interest; and tiiO A date not tuore than E5 v% from rice date the "*IN* W >l Ir16 rr}tielr I ssrtstr eta s iiomtic*tavrs Agreement as Farst tbiat I re the ModWicatim of the '-or* to pmt rte for s l� t iiitt€tr stud the payment of a Fe* as bed to Section 4 Of this dire,. t D) (onver-tan to famd tats Rare T, Not,- i"l x wai provide dare Bar r Wtoo to current the Add Raw Uffin into a 1 ^iiced tnttrest Ra =e Loan f kow-- I ,ON' "'FRSION TO tr'i?k.lflh" I�I1IRlE+1 RATE - t A) '.%I% Opuce to 0--t I troy " -m, *rt for Ariprkrxahle Rate I xon -i"wrnrt #may a'tixd o? t r 40te tax x frae+d tn%t Rat* Icon to b, false r*t 3 an � s'� n th - •: is caI -per e 1 r* of t kan 'vt the Isr - :na' - t rd ('7+ Imo. t8i My F'ixmi here -A Inter -4 ,arm-"_ � PavrnesxK It I c) x +c to twat# rt ro as F"i l Rat*-, the Note- Heatdrr i tip Fixed Erase of Imte s slt: 12 • , . T1* new Fried Intro Itare will betsrat - rsrRe On tip P sY t <lwisw e s a tlst I (trntVM : a Fixed Interest hate. M% ni�mth y- %rr vnU at the rwrvc * red :tier -Rate a mitt w of the fi-`* mastW Vo- afier the PaNmwnt Change Data- 00 which I ,xmm%+ n. `i'be. roantidy principal and inrrrest pa'lae m crib %r the atr�rat that t., net :,srs to repay imm hAR t I am e�Iterete i to "m at thszat C Iyst* as %utistantialiv equal tsa,a t: i3m the. nsctusity date at ecru• Fivev3 Inuvest Rate. 40 Required Cortver Fee If I rhtres.e_ to r ommert to a Fixed Rat *_ I uAl t.e re+qvit" to pay to the 'Note Holden a ComvVweu F evil r+� of the c -.ghat an cum of ttw titan u" elift-utidu of a Mod'"000 AgrOAMM, { I)i Hew t" Convert If I chor -e to cvmvert to a Ft" haste Loan. I will required to eyes ate- a ;t &ati *gree- werit. axui pay xhe requrrtxl t mversa.n F tc. tree piste IIr?s d+ea a irlri r the t rxi h rt in the `:cue FI: notice ns pi+'vIded its Section _ =C i above. It I do owl zkr this within the +peeifai €em'J. I vvid rot rw%e an vfAion to ctnnvert unl Ito :exert t�w an tiv- ci-- n (09I Other Payment Change Dates, as mated Section =3 i Ai abatx`. In that < se, tk* infemot rate that t win psy wal +riwir w to adza in acrordazwe w ith S tartn' (13 1 abm- e_ VIX)n l3€rrrower ;* ex cutxin of the 5r oditccstvas Ap*er sent and payment of the rect:;tm 4- �mw *r- sloes Fee, Section 3 i As aN)%v 4%atl c*a a to be effect e. It erultl be that the loan set-um3 by the Security Irstrument iii sub*rt to a Isar whied; maximum ran ehar", - and that law is interpreted sr-s that the interest or other loan t'harl e* 4— *Uec+t or to be cmikxted in connection frith Ow. loan wcoulfi exreedd permitted limits, If this is th* cam. then � iAl any such ttmn rhargea b he re. ii eed Ivy the amount. t - eawary- to rvdu<* the surge to the epert fitted ' =unlit. a-hd f R) atilt ttt"41y r..>Ir tvJ fnm! I3«imower which excte&O twtrruitt"A limits will tie r-k-£c wide l to Borro'nor_ I."Wo"r rnoy ehtx�- > *i mfrs - -- this= Trfund by t*tto4rttt the principal Owed under the \c-te or by nnakinw a direct icssysrserst to