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(B) Arrant of Monthly eaymaua 8t} - f) U 0 614 My mmthly paymrt will be sn the arrant of U.S. $ 49(1.76 itre Note Holder wilt ctreo®e my monthly payment as required by Sectim 4(C) below m t ~~t . (stoat Charge Date and m that day every 36th morrth thereafter. Each of theca dates is ral1~ "Payment Chage Date." Tfie Note Holder will also ctaiga my marthiy paymart m any Tnrorest Charge Ihte if Section 5(B) below requires me to pay ttre Full Monthly Arrant. {C) calculation of Ptarthly Payment Cterges Before each Paymart Chore Date, the Note Holder will tort.((=rte a t~ew monthly Payment sufficient to repay the unpaid primipal balance m mY lo® irr full m the maturlry date at the Payment Rate in subetsrrtially equal paymarts. The "Paymart Rate" is the sum of the Index figrars m thefive Interest Charge Hates Proceeding a Payment Cfsrge Date Plus the Lister( Irderr, divided by the is er f_ P~ 7.15 G rnrra.,r'n, points (3.1 .50 X ), raided to Ctrs recces( arreighth of sae- percartage po nt 5X). ~ ~xept the i..xymeni n~Ce N~i!.1 r+ct ey+:ceer] 1 2.990%. (D) Effective i~te of Payment Ctrargea Until the next Payment Charge Date, I will pay the amount of my new monthly paymas each month begiraing m the firs[ monthly payroarc date after the Payment Charge 12ate, or Interest Ctrage >gte if Section 5{B) below requires me to pay the F5a11 Monthly Amurt. 5. UNPAID PRINCIPAL BALANCE (A) Charges in My Unpaid Prirrlpal Balance My monthly paymart torrid be less than the arrant of the i.ntereat portico of the first Rill Monthly Amount I one or less that the interest portion of my first full tbntttly Arrant after an Interest (2rage Date. If so, the Note Holder will subtract the arrant of mY mmrhly paymert from-the amaart of interest I one a~ will add the difference to mY unpaid principal balame each.mmth Intil the nets Interest Charge Ihte. The Note Holder wttl also add interest m Ctrs amoutt of this difference to my unpaid pricripal balarre each mach. (Intl] the nets Interest Cfwge Dste when the Note Holder determires my new interest rate m my that unpaid princtpel balance, the rate of s.,ra+ear on the interest added to primipal will be the rate der...,,,;,,dr irr Section 2 above. Ply monthly paym~t caild be ®re ttgrr the arrant of the Frill Pbnthly Arrant. If so, the Note Holder will subtract the differere from the unpaid Principal balance of mY loan each month until the cr)CZ Interest Chage Dace as if I had male a partial prepaymalt ]odor Section 7 below. ($} Limit m Ltgsid Principal Balance; Required Ftrll Mmthly Arrant My unpaid prirrSPal balance cart Dever exceed a m®dm~m arrant equal to are hrrrdred twenty five perrart (125X) of the principal amrnt I originally borrowed. If my paying the arrant of my monthly payment after say Interest Charge Date would cause the unpaid principal balacre to eased that maxima amrnt at arty time, I must pay iffitesd the Frill Pknthly Amrnt as mY monthly payment until the Dart Payment Ctncge Date. 6. NOTICE OF CHANGES The Note Holder will mail or deliver to me a entice of any charges in the Frill ri>othly Amornt and my monthly payment before the effective date of any chan®e. The mtics will include information r~qutred by law to be giver me and also the title and teleptnre Dumber of a person who will arrewer~ any ques[im I may have regarding Ctrs entice." B. CHARGES; LIENS Uniform Covarart 4 of the Senairy Irrstzvmert is amended to read as follows: 4. Qrar'ges; Liens. Borrower shall pay all (arses, asaes~ta, and other charges, fires and impositims atrrst.,rnt,ta to the Property which may attain a priority over this Seca¢iry Irrstrrmmt, and leasetnld pay®[s or ground zerrts, if any, in the enamor provided under paragraph 2 hereof or, if rot paid in arch maser, by Borrower maidng paym®t, what dre, dimtly to the payee thereof. Borrower shall prcntptly furnish to Lerdet all mtioes of aaauats due under this paragraph, std in the event Borrower shad make peymmt directly, Borrower shall promptly furnish to Corder receipts evidencing sudr paymess, Borrower shall promptly discharge mY lien wfiic2r has priority Doer this Seasi[y Inatrrmmt; ptovided, that Borrower shall mt be required to discharge arty such Liar ao lotg as Borrower: (a) shall agree in writing to the, payment of the oblig~tim secra'ed by such lien in a mercer acoeprable to fader; (b) shall in good faith contest such liar fry, or defad a~irrst arfoccemumt of such lien in, legal proceedirgs which in the opdnian of lender operate to prevent Cho enforcmert of tie lien or forfeiture of the Property or cry part thereof; or {c) shall estrus from the holder of soh lien an agre~eart is a form satisfactory to larder srbordirratirg such lien to this Secrity Ir,nrn+wa•r, Lf Ieader drtP~rea ttrat all or say part of the Property is subject to a lien which may attain a priority Doer ttda Seasiry Instrtffirt, tetrder shall nerd Borrower mtioe identifying such lien. Borrower shall satisfy such t ta,. or take ore cr more of the actrona set forth above within ten days of the giving of entice. C. NOTICE L1<riform Coverant l4 of the Security IaastrtmHrt is aosded to read as follows: 14, Notice. Erveept for any notice required under applicable ]aw to be giver in amtlrer ~rrer, (a) sup notice to Barrrwmr provided for in this Security Inatrvm®t strait be giver by delivering it or by mailing it by fiat class ®il addressed to Borrower at the Property Address of at srh other address as tbtza+er may draigpa[e by aotioe to larder ae provided (tocsin, and (b) cry notice to iadpt stroll be giv!sr°try fiat class. sell to tender's addrow stated trerein or to such oars address as lender may dasi~ste by notice to Botroeer as provided herein. Any notice provided for in the Seaalry Inskriaeeot shat].. he deed to have been given to Bor:oremr or Lender when giver in the master dsedgoeted-het~dn. D. UNIPORtI AHED DF TRUST; GDVE1tNING LAW; SEVERABILITY llniftarte Covenrrt l5 of rte Seaairy Iastrummrt is seeded to read as fallowa: l5, C~siSorm Demi of Teat; Governing law; Severahdtiry• 'Ibis form of Security Instn~t caohtrrea uniform ooammnts for ueeicrrrel nee and mrr-+nifoea cervensrta with limdted variatims lay j~¢iadietian Uo oonrtitute a uniform sema:iitq inetnaart avverYrg reel propartp. This Sen¢ity Ixsstrumea shall