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I 86-- 14472 t l If this bas is checked, the interest rate that I pay shall not decrease more than -•- -. - -.._ -_._ percentage points an any Rate Change Bate. (6) If this box is checked, the interest rate that I nay shall never be more than during the pariNd I have my loan. () If rhea boa rg checked, rice interest rate that I gap shall new be less than __ - -_ ..9Si3- -- during the period I have tray loan. (g) if this bog is ehecltrgci, the principal and interest gratnneat that I pay shall riot increase more than . ------- ---------- .--• percent on any Payment Change Date. i 9) If this boa is checked, the principal and interest paynre nt that I pay sliall nit deareme more than _ . -. .. percent art any Payment mange Date- The Note Holden wrl3 adjust the interest rain on each Rate C%ange Date and on each Payment - F Grange Date so that the change in the interest rate will not be more than those Limits marked above Te.�e irutnthly payment sa ount. wt71 sign rha ge on Payment Dates as in the provided N- ate $eer�ause aytaent changes may occur I often than 81 rate"q n a � u F E'+ ' � 7 � ma«Y be aubt. •�� -its certain litmtat'tons deccrdbed in the Note, the riamsthly payments may be rnKaffiCrent at thoss to pay aac-- r Ya+sirag. interest. In such case- unpaid interest is xdcbrd -ta the principal balance of the lNsrte and itself will - accrue interest therAfter. Under the terms of the' -tote, the unpaid principal bad can never emceed a maximum amount equal to One Hundred TwmtN-FWP Percent (IZ%) of the principal amount gip. 'borrowed: t'C) 'N otice of Changes The Note Holder will mail me a notiuv by first ,Tags mail of any changes in my interest rate and the amount of my manthly pa,%ritiew at least thirty and rug more Chart forty -five days .b4a a each Payment Change date. The notice. will include information refgirired by law to be given me mad also the title and telephone number of a person who will ans wee any questions I toay. have regarding the notice. 'Flat ooticae will also include the folkuwins iniortnation: ( i) The Fixed Interest Rate l will fray if I: chocase is convert my loan into a Fried Interest. Rate Loan as described in Section 3 below; - 121) The amount of my new monthly payment at the Fired Rate of Interest; an(f- - iii) .A date not more than 15 days from the date, the notice is given, by which I inust'execute s Modificattan Agreement in the Form that Under may require evidetaeing the Modification of. the Note to provide for a Fixed Iner t Rate, and the payment of a conversion fee as described in Section 4 of this Rider. i'D) Conversion to FIXed Interest Flats The Note H.oltler will provide the Burrower the ajition to convert the Ad*tsW Irate Unit into a Fixed Interest Rate Loan as follvres: 3.. CONVERSION TO FIXER INTEREST RATE { A) 1fy- Option to Convert I may oon%wrt, the Adjustable Rate Loam e - 4denced lrc a date of the same date to a Fixed Interest: Bate moan to lac ,rally repaid in sub?tantudly equal irionthkv t>allner ta# principal, And interest over the reining tern of the scan om the lst,, 2nd; lac? ?zd Payment, Charw rtes: (F3) My Fixed Rate of Interest and Monthly Payments If I choose to connect to a Fixed Rate, the `dote Holder will wet the Fixed Rate of interest at z.l, 0010 r . The new Fixed Interest Rate will become offeeti -iV an the Payment (3unigee Date on which I convert to a Fixed Interest Rate. 7s ttianthly payme -rats at the ne , Fixed Interest Rate will ,aegis as of the first monthly paymient after the Fatym!eent Change Date on which I convert, The rnontirly principal and interest payment will be the amount That i.K necessary to nepac ur full the am larincspal I a expected, to owe at that Nitnge hate in $,tb- SX10111y € laal #iak the tr turn >' hate $t my Fixed Interest Rate. [C) Requited Conversion Fee If I choose to convert to a. Fixed Rate, l will be required to pay to the Mote Holder a Conversion Fe -Nual to = . 5t) of the original amount of the loan upon execution of a ?4fodifk -ation Agreement— !D) How to Convert If I choose to convert to a Fixed Rate Loan, I will be required to execute a \fodifrcation Agre*- menit and I*y th€ required Conversion Fee to the Nate Holder within the period set in the "Note Holders notat-e a,- ;provided in Sectim 2 iC) abcave. If I do not do this within the speKifred period, I will riot have on oputm to wn-wert unless I can exervise armorer option an other Payment change Datea as indicated ia. Section 3 3A) alxnr. In that care, the interest rate that I will pay vein continue to adrust in accordance with S"on 2 '. II) above, V130n FxATower_- execution of the Modifc.atior. Agreement and payment of the required ( "onver- -ion Few, ----x tmn :3 (A) above :,tall oeme to be e&,cti%,V_ 1. WAN CHARGES It oaarld be that the loan secured by the Seeurit} Instrunient is subject to a lair which eats maxitmin, ltaxr tharres and that law is interpreted %o that the intesyst or other !cart charges 400llerted or to be c oikw tied in oaruwction with Map . loan would exceed perautted )muta. If this is the rose, thevt: )A) any such Itpari _t Frar0 uilriill br m4ured by the W mount U cratiary to rrdune tips --`x:rge to the permitted limit, and (B) any° i b elrraedy eit?xrtted frorn Burrower which 'exc**4ed permitted linits will be refunded to Borrower. l r may t ttwx 'o make tfus r+rfund l reducing the princip i under the Note or by making a eft lay niWtat iii B3 frrtrewrr.