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84--~ ~~u05~5 (B) Ammon[ of Monthly Payments My mmthly payment will be in the amour of U.S. $ s,7t .C,C~ The Note Holder will my monthly paymeit as required by Section 4(C) betaw m t r. test Change Date and m that day every 36th month thereafter. Each of these dates is cawed a "Payment Qtia~ge Date." Ttne Note Holder will also change mY monthly payment m airy Interest Change Ihte if Sectim 5(B) below requires me to pay the Full Monthly Amant. (C) Calcuiatim of Mm[hiy Payment Ctanb*es Before each Payment Change Date, the Note Holder will calculate a new monthly payment sufficient to repay the unpaid pritripal S9latre on mY lone in full on the maturity date at the Payment Rate in substantially equal payments. The "Payment Ra[e" is the sum of the Irdec figtnrea m the rove Interest Qnaznge Mites preceadi:ng a Payment Ctnange Date plus the (]want Irdec, divided try [he zx 3 Plm `CC; percentage points ( 2.00 X), raided to the nearest me-eighth of ore percentage po~tn~:QSX). l'ticept t1m ;v{~•cert me u~ll rx~t excecx' 13.990.:. (D) Effective hate of Payment Changes Until the next Payment Ctmm~ge Date, I will pay the amount of my new monthly payment a3ch month beglming m ttte fits[ morttdy payment date after the Payment Change Ihte, of Interest ChartBe Date if Section s(B) below requires me to pay ct,e Full Monthly Amount. 5. UNPAID PRINCIPAL BALANCE (A) Ctnanges in My Unpaid PtKncipal Ba]atre MY monthly Payment could be less than the amour of true interest portion of the first Fall Monthly Amount I owe or less ttan the interest portion of my first full Mmthiy Amount after e[n Interest Change Date. If so, the Note Holder will subtract the amomt of my monthly payment from the amen[ of interest I awe and will add the difference to my unpaid prirclpal balame each month t..til the next Intezesi Change Date. The Note Holder will also add interest m the amwtot of this differetrx to my unpaid priroipal balance each month. Ltntil the nn~R Interest ~ Date whet the Note Holder derarn~t.,a my new interest rate m my than unpaid principal balannce, the rate of interest on the interest added [o principal will be the rate determizned in Section 2 above. My muthlY payment could be more than the amonatt of the Full Monthly Amomt. Lf so, the Note Holder will subtract the dlffereroe frrm the unpaid principal balance of mY loan each mmth until the next Interest Grange Date as if L had Dade a partial prepayment under Sectim 7 below. (B) Limit m tknpaid Pri[rilal Balance; Required Full Monthly Aunt My iutpaid principal balance can never exceed a ®dmm amount equal to ore trndred twenty five petrffit (125X) of the priroipal amount I originally borrowed. Zf my paying the amount of mq monthly payment after any Interest Change Lhte mould cause the unpaid principal bwtarvo to enoceed that ma>aam amount at acry time, I must pay instead the Full Monthly Amant as ary monthly payment int11 the Went[ Payment Change Ice. b. NOTICE OF CHANGES The Note Holder will mail or deliver to me a rotice of any cues in the Full Monthly Amant and my ronthly payment before the effective date of arty cttan8e. The rotica viii irnclude inforfmtim rngtdred by law to to given me and also the title std telephone umber of a person wM will answer any question I may have tegaMing the rotice." B. CHARGES; LZENS Uniform Caveaat[ 4 of the Security Instnmed is amen[ied to read as follows: 4. Cttar~s; Liens. Borrower shall pay all ta:tPS, assessments, and other ctargea, firns and impositions attributable to the Property which miy attain a priority over this Seasity Instrument, and Imsetuld payments or grourl tents, if airy, in the roamer provided under paragraph 2 hereof ar, if rot paid in such roamer, by Bortower maicitg payment, whet due, dixec[Lp to the payee thereof. Bocrawer shall pragtly furnish to Lez>der a1I rotioes of amounts due under this paragraph, and in the event Borrower shall eke payment directly, Borrowt:r shall promptly furnish to IPZder receipts evideocitg such payments. Borrowt°r shall promptly discharge any lien wide2t has pciorlty over this Severity Ins[rnmeut; provided, that Borrower stall rot be required to discharge arty such lien so long as Borzoaer: (a) small agree in writing to the payment of the obLig<ntim secturd by such list in a neater acceptable to Lender; (b) shall in good faith contest such I_ten by, or defect against enfarceaent of such lien in, legal proceedings width in the opinim of larder operate to prevent the enfore®ent of rte lien or forfeiture of the Property or any part thereof; or (c) shall secure frrm the holder of such lien an agreement in a form satisfactory to Larder subordinating such lien to this Security Innstrment. If Iader der~+~~ that all or any part of the Property is subject to a lien width may attain a ptiotYty over ttds Sevedty Instrument, Lender shall acrd Borrower rotioe identifying such lia. Borroer stall satisfy such lien or take ore or more of the actions set forth above n,dthin ten days of the giving of rotice. L. NOTICE Uniform Covenant: 14 of the Security Instrument is amended to read as follows: i4. Notice. E:ocept for anry ro[Sce requited order applicable law to be given in arother matnrer, (a) any notice to Borrwer provided for in this Severity Instrument stall be given by delivering it or try nnnai.lirg 1[ by fits[ class mail addressed to Borrower at [he Property Address or at such other address as Bocruwer may designate by notice to Lender as provided t~etein, and (b) any notice to lender stall be given by first class mail to Leader s address stated therein or to such other addt+ess as Lender ®y desi~ate by rotice to Borrower as provided therein. Anry notice provided for in the Severity luetrrt•ent stall. be deed [o have been given Co Borrower or Leader when given in the mourner designated retain. D. UNIFORM DEED OF TRUST; GOVERNING LAW; SEVERABILITY Uniform Coverrer IS of the 5ecarity Lcvatrumett is amedai to read as follows: i5. lkrifu® Deed of Tuumt; Goaeming Law: Severability. 'Otis form of Security Instrument canhines voiftnrm ovvements for asattonal tree and anrnrtiform anrecants with 1lmitsl variations by jtn'isdicticxn m anoacituue a uniform sersrity izr€trument caerizag coal property. "ibis S,.x~uity L•>,strimerax shalt