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(8) Additiou to My UDpaid Priacipal: If I choose to pay the Limited Payment, my 1DOIlthly payment could be less than the amount of the interest portion of the monthly payment that would be sufficieDt to repay tile unpaid principal I owe at the monthly payment date in full on the maturity date in .ubetantWlrequl payments. If so, each month that the Limited Payment i3 _ than the iDtereet portioa. tile NoteHolder1rill subtract the Limited Payment from the amount of the interest portion aad will add tIle~~ ._ paid principal. The Note Holder wiD also add interest on the amount of tbie dHferetaee tolD1U11p!Jicl. each month. The interest rate on the interest added to principal will be the rate required by geetioD. It) Limit on My Unpaid Prbdpal; laereued MOIItIaIy Pay1MDts: My unpaid principal am maximum amount equal to one hundred twenty.five percent (125%) of the principal amount I rowed. My unpaid principal could exceed that maximum amount if I pay a Limited Payment. If... that my paying my Limited Payment would cause me to exceed that limit. I will ineteaclbePt . monthly payment until the next rate change date. The new 1DOIlthly payment wiB.bein.. would be sufficient to repay my then unpaid principal in full on the maturity date at my~ in substantially equal payments. r I10t Required Fun Payment: Beginning with the first monthly payment after the final will pay the Full Payment as my monthly payment. B. WAN CHARGES: It could be that the loan secured by the Security Instrument is subject to a law which lI8tII.....~ charges and that law is interpreted so that the interest or other loan charges collected 01' to be ~. .. neetioD with the loan would exceed permitted limits. If this is the case, then: (11 any such lotm ~, reduced by the amount necessary to reduce the charge to the permitted limit; and (21 anysumsn lected from Rorrow~r which exceed~ permitted limit... will M ref1!ndad tn Borrower. Lender _~_L make this refund by reducing the principal owed under the Note o!' by making a direct payment to Botl4""~ .. C. PRIOR LIENS: If Lender determines that all or any part of the sums secured by this Security Instrument are subjecttoa lien which has priority over this Security Instrume!1t, Lender may send Borrower a notice kkmtif)'iIIc,that lien, Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating that _ to this Security Instrument. D. TRANSFER OF THE PROPERTY: If there is a transfer of the Pl'Operty as described in the Security Instrument, LeDd.er may require (1).. in- crease in the current Note interest rate. or l21 an increase in lor removal of) the limit on the amount of any oae interest rate change fifthere is a IimiU. or 131 II change in the Base Index figure. 01' all of these. asaconditionof the Lender's waiving the option to accelerate provided in the Security Instrument. By signing below, Borrower accepts and agrees to the terms and covensnts contained in this Adjustable Rate Rider. ~~' f"i' ~.')? ' .-c,,-_: 1 .1g: _. ~ . ~~ J '" OLU. son ..'J~/}:<t~ j( ;~4!~~#Y' ~a~y.wrrsoo----- ~ . P '\, = " /......, ..j;..- :- C:::J ,.,..., )I- ~ ~J r:D en -4 ::0 ~ , )t " .'. ~ ') c:::t /) t-" I~ " L",' \.. L o {n ,--:-;. --of 1 'M'-' , ] ~ '. '", 1;- t,. ' \~\ .. t-' r'~O ,. ..." ,',' : ~;; j'O ,- . en i r" (:J U'1 " j;. r- ..- C) U1 CJ ADJUSTABLE RAn LOAN RIDER Borrower Borrower ..., ~ Iii i III '" o o :~ :j It> ~ z o ; 1~ ,,;1 I flhl 4 B4 I ........J