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(8) Additions to My Unpaid Principal: if I choose to pay the Limited Payment, my monthly payment could F be less than the amount of the interest portion of the monthly payment that would'he sufficient to repay the Unpaid Principal I owe at the monthly payment date in full on the maturity date in substantially equal payments. If so, each month that the Limited Payment is less 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 Section A131 above. Unfit on My Unpaid Principal: Increased Monthly Payments: My unpaid principal can never exceed a maximum amount equal to one hundred twenty-five percent 1125 H of the principal amount I originally bor- rowed. My unpaid principal could exceed that maximum amount if I Pay a Limited Payment would cause me to exceed that, limit, I will instead Begin paying a new that my paying my Limited , ited Payment. If so, on the date monthly payment until the next rate change date. The new monthhy payment will he in an amount which we be suffic, lent to repay n1,. then unpaid principal in full on the maturity date at my current interest rate in substantially equal payments. (IM Required Full Payment: Beginning with the first monthl- payment after the final Rate Change Date, I will Pay the Full Payment as TnY monthly Payment. B. LOAN CHARGIES: It could be that the loan securefi hNr the Security Instrument is subject to a law which sets maxim loan charges and that law is interpreted maximum n nection with the loan would e so that the interest or other loan charges i-ollected or to be. collected exceed in con- permitted limits. If this is the case, then: (1) any such loan charge shall be reduced by the amount neces',"ry to reduce the charge to the Permitted limit; and 121 any sums already col- lected from Borrower which excc'-eded Permitted limits will he refunded to Borrower. Lender may choose to -Ipal owed tinder the Note or making a direct payment to Borrower. make this refund by reducing the print e C. PRIOR LIENS: If 1,ender determines that all] or an part of the silins secured I)%- lien which has hall its o%er this `�Ilrl this Securit,, Instrument are subject to a lien. Borrower shall p' it Instrument, Lender may send Borrower a notice identifying that 170MIAIV se ion agT*i-nient in as form, satisfactory to Lender subord' this purity Instrument- Inating that lien to D. TRANSFER OF THE PROPERTY: If them is a transfer of the PropertY as de scriiwd in the Security Instrument. Lender ma%1 requ- crease in the current %ote interest rate, or f21 an increase ire 0) an in- in ior rernoval of) the limit on the amount of any one interest rate change of there is a limit). or f31 a change in the Base Index figure, or all of th"se. as a condition of > the lXnder s waiving the option up accelerate provided in the Security Instrument, W - Bv sigrung heiow. ljorrowt- r accepts Rate Rider. "d ag"s t) the tern's and c contained overiants contain in this Adjustable e Verm R. Borrowl VKathr�C M. Mceemdn Borrower ADJUSTABLE RATE LOAN RIDER t milk 484 AW