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6. LOAN CHAR(:FS It a law which applies to this loan and which sets maximum loan charges is finally interpreted so that the interest or other ban dutgea collected or to be collected in connection with this loan exttsd the permitted limits, then: (i) any such loan chin shall be tedttced by the ttcttssary to reduce [he charge to [he permitted limit: and (ii) any sums already txtlleeted from me w6kd exoeadad patoRted Mtniti`w'B'be refttttded to me. The Note Helder may choose to matte Ehts refund by retitteing the principal 1 owe under thin-Note or by tnglting a diroi;t p.ytnettt to me. If a rcftmd reduces principal, the rodttction will be treated as a partial prepaymrnt. • 7. SORROwF1f5FAH.URETOPAYASREQIJIRED (A) LaaeChar=efarOnNaehynab k If the Note Holder has not rcttived the full amount of any of my monthly payments by. the end of 1S caleodv`da7ii. after the dale it is due, I will pay a late charge to the Note Holder. The amount of the charge will be S 9s of my overihtr payment of prinripal and interest. 1 will pay this late charge promptly but only ontt on any lak payttteM. (s- uten.n °- If 1 do not pay the full amount of each monthly payment on the date it is due, 1 will be in default. (G~ Natlee of DefNlt If t am in default, the Note Holder may send me a writtrn notice telling me that if I do trot pay the overdue amamt "by a cMaerdate the Note Holder maY require me to pay immediately the full amount of principal which has not been paid attdall-the iatereat that I owe°oo'that amount. That date must beat least 30 days after the date on which the notice is mailed or delivered to me. (D) No waiver b NMe Haltler Even if, at a tlme when 1 am in default, ttte Note Holder does not require me m pay immediately b full as described above; the Nde Holder will still Aave the right to do so if 1 am in default at a later time. (E) Payasetl of Ne4 HoHer'a Caab W Expeues If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to fie pafd baek by ttte for all its reasonable cosu and expenses to the extort not prohibited by applicable law. Those ezpenxs mry ittehde, for ~, reasottabk attorney's fees. i. GIVING OF NOTICES UNess applicable law requires a differrnt method, any notitt must be given to me under this Note will be given by toail)trg it by firer dads mail or by delivering it to ttrc at the Property Address above or at a differrnt address if I give the Note Holder a trotter of mydtffereat address. Any notice that must be given to the Note Holder under this Note will be givrn by mailing it by first class mail to the Note Hoer u the address stated in Section 3(A) above or at a differrn[ address if I am givrn a notitt of that different address. 9. OB~GATIONS OF PERSONS UNDER THIS NOTE !f more than one person signs this Note, each person is fully and personalty obligated to leap all of the promises made in this Note, including the ptomix to pay the full amount owed. Any person who is a guarantor, surety, or etdorser of this Nae is slao obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety, or endorser of this Nae, is alw obligated to leap all of the promises made b [his Note. The Nme Holder may rnfortt its rights under this Note agaitut each person iodividt[aUy tx agaimt all of m together. This means that any one of us may be required to pay all of the amounts owed under this Note. A. wAIVFJIS I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor, "Preaeatment" means the right to require the Note Holder to demand payrnrnt of amounts due. "Notice of dishonor" means the right to regtrire the Note Holler to give notice to other persons that amounts due have rata been paid. 11. THIS NOTESECURED SY A SF.fURITY INSTRUMF,NT In addition to the praettiotvs givrn to the Note Holder under this Note, a btortgage, Deed of Trust or Deed to Secttre Debt (the "Sautity Instrument") with an Adjustable Rate Rider, dated the same day as this Note, protects the Note Holder from possible losses which might result if 1 do tta leap the promises which I make in this Note. That Security Instrument and Rider describe how and under what conditions I may he required to make imtttediate peyttrent in full of all amounts that I owe under this Note. Some o(those cotulitiotu are described as follows: "Tran;Je~ of the Property or a Berrejieial Interest rn Harrower. 1 f alt or any pan of the Property or an interest therein is sob or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without L.ender's prior wrivrn rnnsrnt, Lender tray, at Lender's option, declare all the sums secured by this Security losvument to be immediately due arW payable. However, this option shag not tx exercised by Lettder if exercise is not au[horiud by Federal law. "If Lender exercises such option to aculerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hereof. Such notitt shall provide a period of not Irss than 30 days from th< date rite notice is mailed within which Borrower may pay the sutras declared due. if Borrower fails to pay such sums prior to the expiration of such period, Lander may, without further notice or demand on Borrower, invoke any remedies permitted by paragraph 18 hereof. "Notwithstanding asale or transfer, Horcower will continue to be obligated under the Note and this Security lnsvument unless Lender has released Borrower in wriLttg," ,~ Winetr tYe MMIs) sad seaNs) o/ 14 utttkrsigtsed. ~' ~_ _ y- J _tSeal t,dr~l~ _ . `~,,,~IeowER ~, <D w r`: v:~r_`~y lessg `OWER [~ ~ srs ~~ m ~ ,~ r..~ - - - - __ -- --.. ~= `- BORROWER __..,-- --_._-- _. _ ltieal) ~~ + ^" ~ - .. ISIGNORIGINALONLY`) ~ - ~, ~r 4. ~° ~ ~ G, ~. ~ ~.. ~ 4s rti ~ ~ Y ~~+, YIC r- ~ ~_ , v~ Jt 4f (,3