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84 ~, ti~u0744 6. F'fIVAL MONTHLY PAYMENTS Beginning with the first monthly payment after the last Change Date, 1 will pay the Fult Payment Amount as my monthly payment. 1. INCREASES IN THE PRINCIPAL AMOUNT TO 8E PAID (A) AtMltioo to My Utgal/ PdetiMaF Balaate If 1 choose to pay a graduated monthly payment calculated undtr Section 5(A) above, my monthly payment could be Irm than the amount of the inferrer portion of a montfily payment which then would be sufficient to repay my unpaid prirrcipalbalartce infull onthe maturity date at my current interest rate in substantially egnat paymrnts. If so, each month that fhb amount ofmy monthly payment is less than the interest portion, the Nott 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 No-t Holder will also add intersf on the amount of this difference to my unpaid principal balanct each month. The interest rate on the interest added to principal will be the rate required by Section 4(C) above. (B) Litglt oa My Unpid Pritteipal Balattee My unpaid principal balance can never exceed a maximum amount equal to one hundred twenty-five percent (I23%) of the principal amount 1 originally borrowed. g. NOTICE OP CHANGES The Note Holder will mail or deliver to me a notice of any changes in the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a petaon who will answer any question I may have regarding the notice." B. CHARGES; LIENS Uniform Covenant 4 of the Security Instrument is amended to read as follows: 4. C6atRea; Licaa. Borrower shall pay utl taxes, assexsmentx, and other chargts, fines and impositions attributable to the Property which may attain a priority over this Security Instrument, and leasehold payments or ground reins; if any, in the manner provided under paragraph 2 hereof or, if not paid in such manner, by Borcower making payment, when due, directly to the payee thereof. Borrower shall promptly furnish to Lender all notices of amounts due under this paragraph, and in the event Borrower shall make payment directly, Borrower shall promptly furnish to Lender receipts evidencing such paymrnts. Borrower shall promptly discharge any lien which has priority over this Security -nstrumrnt; provided, that Borrower shall not be required to discharge any such lien so long 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 good faith comes[ such lien by, or defend against enforcement of such hen ua legal proceedings which in the opinion of Lender operate to prevent the enforcement of the lien or fodeimre of the Property or any part thermf; or (c) shall secure from the holder of such lien an agreement in a form satisfactory to Lender subordinating such lien to this Security Instrument. if Lender determines that ail or any part of the Property is subjeea to a lien which may attain a priority over this Security Instrument. Lcndershall send Borrower notice identifying such lien. Borrowershall satisfy such lien or lake one or more of the actions se[ forth above within ten days of the giving of notice. C. NOTICE Uniform Covenant 14 of the Security Instrumrnt is amended to read as follows: 14. Notice. Except for any nonce required under applicable law to be given in another manner, (a) any notice to Borrower provided for in this Security Instrument shall be given by delivering h or by mailing it by first class mail sddressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shah be given by first class mail to Lender's address staled herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice providtd for in this Security Instrumem shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. D, UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEYERABILITY Uniform Covenant I S of the Security Instrumem is amended ut read as follows: 1S. Uniftrrw Secarity Ittatrutaeat; Govergigg haw; Severability. This form of Security Instrumem combines uniform covenants for national use attd non-wtil'otm covenants with limited variations by jurisdiction to conslirote a uniform security instrnmem covering ceal property. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is Irx-aled. In the even) that any provision or clause of this Security Instrument or the NeNe conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and m this end the provisions of this Security Instrument and the Npte are declared to be severable. E. TRANSFER OF THE PROPERTY OR A BENENICIAL INTEREST IN BORR!)WER Uniform Covenant 17 of the Security Instrument is amended to read as follows: 11. Traq;(er of the Property or a Besefieial (atereat in Borrower. if alt or any part of the Property or an interest therein is solo or transferred (or if a beneficial imrrest in Borrower is xild or transferred and Born>wer is not a natural perxm) without Lender's prior written consegt, Leader map, at Lender's option, declare all rho sums secured by this Security Instrument to be immediately due and payable. However, this option shall not be exercised by Lender if exercise is not au(h~izec-by Federal fain. (f_3-ender axe~cisRS such option 1o aeeelerate, Lender shall mail Borrower notice of aeceleratipn in accordance wiW parngraph l4 hereof, Sueh nolifie shall prtrvidr a period of not {ess than 3U days from the date the notics is mailed within which Borrower tray. pay the wtttti declared due. if Borrower fails to pay such sums prior to the expiration of such period, Lender may:.without fgnher notieetyr demand on Borrower, invoke any remeatits permitted by pangrttp~ t g hereof. Fs COYENAI~iT AiCLlTEI[) . Nm=lJtti(itrmt:ovatanl2 f oftbe Security Instntmrnt ("Future Advances"') is deleted, 'v.q,~