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1 85-- .001943 and will add the difference to my unpaid 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 1 equired by Section <(C) above. (H) Unk on My Uapald PrLeipal; Increased Monthly Payment MY noPsid principal can never exceed a maximum amount equal to one hundred twenty-five percent ( 125%) Of the principal amount I originally borrowed. 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 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. (1) Re"Ired Full Payment Beginning with the first monthly payment after the final Change Date, I will pay the Full Payment as my monthly payment. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: Traamder of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest to it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural Person) without Lender's prior written consent, Lender may, at its option, require immediate payment iii full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. bender also shall not exercise this option if: (a Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee: and ( b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent � permitted by applicable law. Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and to this Security Instrument Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. if Leader exercises the option to require immediate payment in full, Lender shall give Borrower notice of aceeleranoa. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums per to the expiration of this period. Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. .....� ...... Jo M. F{ofrichter ............................... ( Seal ) -Borrower ................... (Seal) Kathleen F Hofrz 'ter .Borrower 9'