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7. ~ .# r 48) Addiiions to My UIIptIid PriDdpal: If I choose to pay the Limited Payment. my monthly payment could be leas than the amount of the interest portion of the monthly payment that would be sufficieatto repay the unpaid principal I owe at the monthly payment date in full on the maturity date in eubataDtiaDy equal payments. If so, each month that the Limited Payment is leas than the interest poftion. the Note Holder will eubtract the Limited Payment from the am.ount of the interest portion and will add the~ to myua- paid principal. The Note Holder will also add interest on the amount of thisdiffenmee to my'UDpllid principal eaeb month. The interest rate on the interest added to principal will be the rate required by SectionAIS) above. .. Limit 08 My UIIptIid Prbadpal; lacn..edM08t1a1y Paymeots: My unpaid principal can newr uceed.. IDlI.ldmumamount equal to one hundred twenty-five percent 4125%1 of the principal amount I origiuIIy b0r- rowed. My unpaid principal could exceed that maximum amount if I pay a Limited Payment. If so, OR the date that my paying my Limited Payment would cause me to exceed that limit, I will inetead ~ payinc a new monthly payment until the next rate 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 cummt interest rate in substantially equal payments. lUll Required Full Payment: Beginning with the first monthly payment after the final Rate Charip Date. I will pay the Fun Payment as my monthly payment. B. LOAN CHARGES: It could be that the loan secured by the Security Instrument is subject to a law which sets maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be colJ.eeted in c0n- nection with the loan would exceed permitted limits. If this is the case, then: many such loan charp slIaIl be reduced by the amount necessary to reduce the charge to the permitted limit; and 121 any sums already coI- ----liaiiftroiD liorrower w'liicnexceeaea-peffiiiftOO1iiiiitswwDe refunded to Borrowel'.~mlIl~- make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. C. PRIOR LIENS: If Lender determines that aU or any part of the sums secured by this Security Instrument are subject; to a lien which has priority over this Security Instrument, Lender may send Borrower a notice identifying that lien. Borrower shall promptly secure an llgreement in a form satisfactory to Lender subordinating that lien to this Security Instrument. D. TRANSFER OF THE PROPERTY: If there is a transfer of the Property as described in the Security Instrument. Lender may require 11l an in. crease in the current Note interest rate. or 121 an increase in lor removal of} the limit on the amount of anyone interest rate change (if there is a limit), or (3) a change in the Base Index figure. or all of these. as a condition of the Lender's waiving the option to accelerate provided in the Security Instrument. By siping below. Borrower accepts and lIgreeS to the terms and covenants contained in this Adjustable Rate Rider. ~j."u.c/~- o.m.... / /" LIJ1/.L... .. ..m't~1J"M;-rtaV~La..a:f....L_'_'---80rr0"w~ 00 .+:;. '" C;Q <:"> (I) :l ~ . :~) -I \ " P "t.'. .. (....... .... ...., it ::, J :. ,.. 'Q" il.I )II l.....l '" ! " ;;: <::) 0 ,., ,] ,~o ?l '..... , :r:" "-" e " :.~ . . ,en ~ ::tf '1 ~.." ' ~ ). " t~ ..-;;::> ;':."li, a n i' ]~ Ul t -l " -- 0 Z c-.;;..., (I) 9 ({) ADJUSTABLE RAn lOAN AlOIA nun 4 1M ..J