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6, FINAL MONTHLY PAYMENTS ~•~~ (JOO611. Beginning with the first monthly payment after the last Change Date, 1 will pay the Full Payment Amount as my monlhlY paytttrnt. 7. INCREASffi IN THE PRINCIPAL AMOUNT TO BE PAID (A) AtiWtloas to My UgaN Priacipal Balance If I choose to pay a gradwtod monthly payment calculated under Section S(A) above, my monthly payment could be less than the amount of the interest portion of a monthly payment which [hen would be sufficient to repay my unpaid princi~l balance in full on the maturity date at my current interest rate in substantially equal payments. If ao, each month that the amoum of my monthly paymrnt is less than the interest portion, the Note Holder will subtract the amount of my monthly payment from the amount of the interest portion and will add the difference to my unpaid principal balance. The Note Holder will also add interest on the amount of this difference to my unpaid principal balance each month. The interest rate on the interest added to principal will be the rate required by Section 4(C) above. (B) Litdt ten My Uaoaid Principal Balance My unpaid principal balance can never exceed a maximum amount equal to one hundred twenty-five percent (! 23%) of the principal amount t originally borrowed. 8. NOTICE OF CHANGES The Note Holder will mail or deliver to me a notice of arty changes in the amount of my monthly payment before the effective daft of •eny change. The notice will include infcrmation required by law to be given me and also the title and mkphonr number ofa person who will answer any qu~stnm I may have regarding the notice." B. CHARGES; LIENS Uniform Covenant 4 of the Security Instrument is amended to read as follows: 4. Charges; Liens. Borrower shell pay all taxes. assessments, and other charges, fines and impositions attributable to the Property which may main a priority over this Security Instrument, and leasehold payments or ground rents, if any, in the manner provided under paragraph 2 hereof or, if not paid in such manner, by Borrower making payment, when due, directly ro Ihr payee thereof. Borrower shall promptly furnish to Lender all notices of amounts due under this paragraph, and in the event Borrower shall mnkr payment directly, Borrower shall promptly furnish to Lender receipts evidencing such payments. Borrower shall promptly dtscharge any lien which has priority over this Security Instrumem; provided, that Borrower shall not be reyuired to discharge any such lien so Tong as Borrower. (a) shall agree in writing to the payment of the obligation secured by such lien in a manner acceptable to Lender. (b) shall in goad faith contest such lien by, or defend against enforcement of such lien in, legal proceedings which in the opinion of Lender operate to prevent the enfarcemrnt of the lien or forfeiture of the Property or any part thereof; or (c) shall secure from the holder of such lien an agreement fin a form satisfactory ro Lrndrr subordinating such lien to this Security Instrument. If Lender determines that all or any part of the Property is subject to a lien which may attain a priority over this Security Instrument, Lender shall send Borcower notice identifying such lien. Borrower shall satisfy such lien or take one or more of the actions set forth above within ten days of the giving of notice. C. NOTICE Uniform Covenant 14 of the Security Instrument is amended to read as follows: 14. Notke. Except for any notice required under applicable law to be given in another manner, (a) any notice to Borrower provided for in this Saurity instrument 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 Horcower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by firs) class mail to Lender's address slated herein or to such other address as Lender may designate by notice to Borcower as provided herein. Any notice provided for in this Security Instrument shalt be deemed to Gave been given to Borrower or Lender when givrn in the manner designated herein. D. UNIFORM SECURITY INSTRUIllENT; GOVERNING LAW; SEVERABILITY Uniform Covenant 15 of the Security [nslrumenl is amended to read as follows: IS, UNtorr Sttearity IaNraateat; Governi~ Law; Sevenbility. This form of Security Instrument combines uniform covenants for national use and nonuniform covenants with limited variations by jurisdiction to constitute a uniform security instruntrnt covering real property. This Security Instrument shall br governed by federal law and the law of the jurisdiction in which the Property is located. In the error that any provision or clause of this Security /nslrumem or the Note rnnflicts with applicable law, such conflict shall oat affect other provisions of this Security Instrumrm or Ihr Nate which can be given effect without Ihr conflicting provision, and to this end the provisions of this Security Instrumem and the Note are declared to br severable. E, TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER UoiCorm Covenant 17 of Ihr Security Instrumem is amended Io read as follows: 17. Tnastkr of the Pro/erty or a-Bese6eiat Lttrrest ip Borrower, If all or any part of the property or an interest therein is scald or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lertdtx's prior written consent. Lrndrr may, at Lender s option, declare all the sums soured by this Security ittotrvtitrnt to be imtttediately-due and payable. However, this option shall oat be exercised by Lender if exercisr is not atUhoriaed by Federallaw, If Letder exercises such option to accelerate, Lrnder shall mail Harrower notice of aecekration in accordance with ptngnph.l4ltereol: Such noticx shall provide a period of not less than 30 days tram Ihrdate the notice is mailed within which 6oirrawter tnay prty {bosoms declared due, if Harrower falls to pay such sums prior to t hr expiration of such period, Lerida m+W, w(thottt fucthK notice ar drtnand on Borrower. invoke any remedies permitted by paragraph 18 hereof F. E~(fVEl1fANT DELETED Non=UaiCturn~pvraatrt 21 of Ihr-Serur)ty Instrument f `Future Advances") is deleted.