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89 ._ 51~~0945 {B) Arrant of Monthly Payments ` My mmthly payment will be in the arrant of U.S. $ 450.DS The Note Holder will my monthly }aymmt as regedred by Section 4{C) below on t ~ terest Chaa~e Tate and oa that day every :36th month thereafter. Each of these dates is caII~ a 'Rayment (fie Date." Tt~e Note idolder will also change my monthly PaY~t on achy Interest Change Date if Section 5(B) below requires me to pay the klil3 Monthly Amoent. (l,} ~a F-. Luau ~` ,.~.,.,Y ny-~ Chaffs Before,earh Payment Change Date, the Note Holder will calculate a new monthly payment sufficient to repay the unpaid principal balance on aN loan in full on the maturity date at the Payment Ratee substantially equal. payments. The "Payment Rate" is the sum of the 71dex figures- on the ffiiv Interest Cinarnge Dates pre~ng a Payment Change Date plus the (Lrraet Index, divided by the nth ~,_ P~ __3.150 PeL~~$e Points { 3.150 X) raa~cled to the rnarest one-eighth of ore percentage po3x~t (0.125X). E~ept the {aayment rate will rot exceed 13.990X. (D) Effective Date of Payment Changes Until the neat Payment Chaznge Date, I will pay the arrant of my new mwthly payment each month begi.mixg on the first macnthly Paymaet date after the Payment Change Date, or Interest Change lhte if Section 5(B) bela+ requires me to pay the Full Monthly Arrant. 5. UNPAID PRINCIPAL BALANCE {A) Changes in My Unpaid Principal Balance My monthly payment could be less than the arrant of the interest portion of the first Full i~,--.r,`~1y Amou.~ I w2 or less than the ;n*w~ xr'tinn of my firsr_ fi~ :Mnthly Aunt after an Interest Change Cate. If so, the Note Holder will subtract the arrant of my monthly payment fry-the arrant of i„raa=r I ace a~ will act the difference to my enpaid Pri~r31n1 balance each-month intil the nrxt Interest Change Pate. The Note Holder will also add interest on the arrant of this difference to my t~paid principal balance each month. Until the next Interest Change hate what the Note Holder determines my new interest rate on my then unpaid principal baLannrE, [he rate of interest on the interest added m prinrt~,t will be the rate determirffici in Section 2 above. Ny ~~•Y Payment could be more then the arrant of the Rill I~bnnthly Arrant. Zf so, the Note Holder will subtract the difference from the unpaid principal balance of my loan each month until the ~ Interest Change Date as if I had wade a partial prepayment under Santini 7 halo+. (B} Limit m UnEaid Principal Balance; Required Full Monthly Arrant My unpaid principal balance can never exceed a mantunm arrant equal to ore hucdred tc~tp-five percent {125X} of the principal amount I originally botzuiad. If my payinlg the arrant of my monthly payment after any Interest Change Date would cause the unpaid principal hala>rn t? exceed that maaimm arrant at arty time, I must pay irBtead the Full Monthly Arrant as my monthly payment mill the reset Payment Change Date. 6. NOTICE OF CHANGES the Note Haider will mail ar deLi~er to me a entice of any chaeges in the Full Monthly Arrant arni my monthly payment before the effective date of amr The rotice wLLl include information regidred by law to be given me arnd also [he true and telephone nunber of a person who will answer' anry question L may have regatciing the rotrce." B. CHARGES; LIENS Unifozm Covenant 4 of the Secisity Lnsirwnait is amended to rnad as follows: 4. Qnar~s; Liens. Borraer shall pay all tans, assessments, aid. other charges, fines and impositiars attr;h,~nhta to the Property which may attain a priority over this Secisity Instnmert, a~ lenaehold payments or gron3 r~rG, if ate, in the marner provided under }asagraph 2 hereof or, if nit paid in such maniac, by Borrower mkfng payment, wtnan due, directly to the payee thereof. Borrower shall praQtly furnish to Lender all hulloes of amonts due under [his Paragraph, awl in the event Borrower shall make paymient directly, Borrower shall promptly furnish to Lender receipts evidacing such payments. Borrower shall promptly discharge any lien which has priority over this Security Instrnmant; Provided, [hat Borrower shall. roc be regedred to discharge acry such lien so long as Borrower: (a) shall agree in writing to the payment of the obligation secin~ed by such lien in a ~y7er ar,m,ranln to Lander; (b} shall in good faith contest such lien by, or defend against enforcem:nt of such lien in, 1e~1 proceedirga which in the opinion of Lender operate to prevent tine enforcement of the lien or forfeiture of the Property or any part thereof; or (c} shall secnu'e fronn tine holder of such lien an agreement in a form satisfactory to Lender subordinating such lien to this If Lender dsr.~,wa that all or any part of the Property is subject to a lien which may attain a prianity over this Security Irnstnmazt, Lender shall sad Borrwer notice idanti.fyigg such lien. Boaower troll satisfy such lien or take one or more of the actions set forth above within ten days of the giving of rotiee. C. NOTICE Uaifotm (.ovennnt l4 of the Security Instn:~ait is amended to read as follows: lL. RbtirrP. E>xept for arty rotice required under applicable law to be given in another m^+~*, (a} acry notice to Borrower provided for inn this Secisity Instnmaent shall be given by delivering it or by mailing it by first class mail addressed to Borrower at the Property Address or at such other address as Barraw$r may designate by nnatice to Lender as provided herein, and (b) acry notice to Lanier shall. be given by first class m!.it to Larder"s address stated herein or m such other address ae Lender may denigaste by notice-to Barrawer as provided herein. Any notice provided for in the Secnsity Itstnsoart: etnall be de~neei to have been given tv Harrower or under when giver in the manner deeigaatsd karttirr. D. UNIFORt4 DEED OF TRUST; GOYEANING L.1W; SEVERABILITY Unifora Covent l5 of tine Secnsity Trnstcnment is ameded to read as follows; i5. tkriEorm Deed of Tzvst; Gowrnirg, Law; Seversbiltty. Ilnta form of Security Instr,ananC caatdnes unifornnr Wver>scnt9 fvr r~tixurti use and noon-cnifarm cov~aants with n{„~ted variatianns by j<utsdiction w emrtitessd a enifonrm sasarrity iosrr,~,..,v errve~-lxg neat pmpsrty. An#s Seee¢itp lnstrtxnant shall