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8~r ~----ri 0 012 5 (B) Amount- of Monthly Payments My monthly payment wL,l be in the arrant of U.S. $ 221.£3 Ttie Note Holder-:will - ' my' ~~Y payment as requdred by Secti~ 4(C) below on~eresr Change Dare atd.an that day: every. 36th month tteereafter. Each of these dates is caLCed a "Papmait (I~ge. Date:"' Ttye Note Holder will-also ct~e my maxthlY PnY~t ~ ~Y,Interest Ct>ar~e Date if Seaotion 5(B}-below regairea me to pay the-dill Monthly Amoiat. {C) Calcailation of Monthly payment Ctnr~es Before cede Payment Ct~ge Date, the Note Holder will calculate a<new monthly.payment sufficient. ~ r~Y the Pt'i~P~ bye on m9 lean in full on the maturity date. at the>Payment Rate 1n. sobstantiallY equal payments. The "Paym®t Rate" is the srm of the Iidex figures on the five.- Interest Ctw.~ge Rtes preceedix~ a Payment Charge Date plus-the Ctnrmt Itdex, divided .by-theina err ~ P~ ~ Per~reBe P~~ (4.15G X), rncnded to -the nearest. ace-eighth= of ore petcactage po t X). l'.xcept the pay ,rent rate will seat exceed 14.990%. (D) Effective Lhte of Payment Changes Until the next Payment Change Date, I will pay the amoent of my new monthly paymatt each month- begimi.eg on the first manthlY psymmt date after the Payment Cbartga Date, or Interest Change Date 3f Section- 5(B) below requires me to pay the Full Marthly Amount. 5. UNPAID PRINCIPAL BALANCE (A} Ctrs in My U~aid Principal Balance My monthly Payment could be less than the meant of the interest- portion of the. firse• Full Monthly Arrant I ae or less than the interest portion of my first full Monthly Amount after an ]uterest Change Lhte. I:f so, the Note Holder will subtract the arrant of my monthly payment from the arrant of interest I awe sad will add the differance to my enp3id principal balance each month ,mill the next Interest Change Date. The Note Holder wilt also add interest on the- amoiazt of this difference to my unpaid pritr3Pa1 balance each mmth. Until the next Interest Ctraztge Date c~ rile Notti tblder detemdnes my new interest rate on cry then unpaid prdncjpat balm, the-rate of interest on the interest added to principal will be the Eate dera„„i.,o,c ~ Section 2 above. MY ~h1Y payment could be more than the arrant of the Full Monthly Aunt. If so, the-Note Holder will subtract the difference from the ~d p~TMtpal balance of my .loan each month until the next Interest Change Date as if I had made a partial prepayment under Scotian 7 below. (B) Lim;-t an Un{sv3d Principal Balance; Required Full Monthly Arrant MY ~d Principal balance can never exceed a oreclmcm arrant equal to one hundred twenty five percent (125X) of the principal arrant I originally borrowed. If my plying the amxart of my monthly payment after any Interest Change Rate would cause the unp~sid pricri.lal balance to exceed that maximm amamt at airy time, I must pap instead the Full Monthly Amocact as my monthly payment cntil the next Payment Change Date. 6. NOTICE OF CHANGES The Note Holder Gdll. mail or deliver to me a notice of any ctmngrs in the Fu11 Monthly Amount acd my monthly paymatt before the effective date of-airy chacge• the entice will include infonmtion req~dred by law to be given me aril also the title aril telephone number of a person wito w111 answer any question I may have regarding the entice... S. CHARGES; LIENS Unifom Covenffit 4 of the Seaffity Instrument is ameded to trail as follows: 4. Charges; Liens. Borrower shall pay all tams, assessments, aril other charges, fines- and impositiens attributable to the Property which may attain a priority over this Secan-ity Instrument, and leasetnld paymarts or ground teats, if airy, in the mA**+ar provided order paragraph 2 hereof or, if mt paid in such mazner, by BoROwer making payment, wilt due, directly to the payee thereof. Borrower shall promptly furnish to lender all rotices of amounts due under this paragraph, std in the event Borrower shall make paymaet directly, Borrower shalt promptly furnish to fader receipts evidencing such payments. Bnrrtixer shall Pr~PtlY di~~ any lien which rtes priority aver this Secasity Instrrn~at• provided, that Borrower stsLt rot be required to discharge arty such lien so long ae Borrwer: (a) shall agree in writing to the payment of the obligation secured by such 11an in a mecmar acceptable to Lender; (b) shall in good faith contest such .lien try, or defend against enforc®ent of such lien in, legal proceedings which in the opinion of bander operate to prevent the acforoemeat of the liar or forfeite¢e of the Property or any part thereof; or (c) shall sennae from the holder of such lien an agreement in a fon¢ satisfactory to Lender subordinating such lien to this Security Ins[t~ment. 1f Lender determires that all or any pert of the Property is subject to a lies cinch may attain a priority over ttris Security Instrument, Lender shall seed Borrower notice idantifying such lien. Borrower stall satisfy such lien or take one or more of the actions set forth above within ten days of the givir~ of entice. C. NOTICE Uniform Covenant 14 of the Security Instrument is amended to read as follows: 14. Notice. Except for airy notice required under applicable law to be given in another manner, (a) any notice to Borrower provided for in this Security Instrtment shell be given by delivering it or by mailing it by first class mail addressed to Borrower at the Property Address or at such ours address as Borrower-may designate by notice. to Lender as provided herein, aryl (b) any notice to larder stroll be given by first class mail to Lender's address stated herein or to such other address as Lender may dasigmte by notice to Borrower as provided herein. Any notice provided for in the Security Iristr~tt shall be deemed to. have. tx:en given. to Borrower or lender when given in the man,ar 'dasignatest herein. D. UNIFORM DEED OF TRUST; GOVERNING LA~1; SEVERABILITY Uniform Covenant 15 of the Security Inatntmaant is aaelded to read as follows: 15. tktifotm Dieed of Trust; Guveaiing Lea; Severabi.iity, This form of Security 'Instnment ccmbicrs cnifoaa oac!nrs for naticxnal use aM nar+niform covenants with limited variations by jurisdiction to t:onatltuta a uniform eeca~rity inetnattau covering real property. Ttcis Seccsity Instr~lt shall