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2j~~ diU lUver !load, ADJUSTABL~ ~TE RIDER83-o05088. 1HlS AlUUSJ'AllI.E RK1'E IUIER ia __ tb1s nnd (lay of ~ iDto andsIaU bit deelldto -m'. SIlltlR'J'r} '. C ." Secme. DIIbt(d1e"~~'1 oftbe ....datle!~.&ytha .... ..... __ ~8 Allju8tah1a ~..me to .~. i'eiIenl SIllI1:IlP"- '1..eade!r") oftbe _date(d1e "N:lte~) and ~;. ~deiIcrlllIid':rn.tba;; -' :t.ocated at: . THE NOT! COllTAINS PllOVISIONS ALLOWING FORCIWfGl!SIN'TBEINTE1tB'1"~~' EVDY 5 YEARS, IF THE INT1UlESTRAtE INCllEASES,TBE BOR1tOlRUll'S'~!'1 PAYMENTS WILL BE HIGHER. IF THE INTEREST RATE D!CREASES, THE'BORR~:"St; MONTHLY PAYMENTS WILL BE LOWEll. . AIIJI'l1tlW.<XlUI!l1MIS, In addiI::Im to tbe CCM!IRlt:8 -' agr&!IIII!IltB 1IIlIda in tbe.Soicur:l.t1~; Ilom5er and Lender further C<M!!IBI1t -' agme as f~: A. INTEREST RATE AND MONTHLY PAYMENT CIL\Jl~115 1be ?bte provides for an initial :Interest rate of - %. in the:lnterest rate and the lID1thly p!I)'lIII!IIt:s, as fOIIiiiij: "4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change nates , 1 908 1be rate of interest I will l"IY l1B'J ~ on the first day of .Jovenlber ,1 ", ,aIld,!*' that day eve!}' 60th l1lOIlI:h theD!after. Each date on lolI:rlch 01'J rate of interest couldc:llaq!le ia Callild..- "Olalp t8te." (B) The Index ~ with the first: Olange !Bte, 01'J interest rate will be based on an Index. 1be "Index" is the .-Itly llIIl!l"lIIle yielll on l.kd.ted St:8tes ~ ."urit1es adjusted to a constant llIBtur1ty of ,5 )O!IIrS, as oaIe available by the Federal Reserve BoanI. 1be Il108t recently ava:l.1able Index figure as 0'1. the date 45 days befon! each 0IIIIlge Date is calli!d the "C1Jrrent lR:IeK," rf tbe Index is ro loqp!I" avail.able, the Ibte Holder will cb:loae a new ialel< lolI:rlch is based. ~ """I"'"'t-1.:Infotmation. 1be i'bte !blder will give me mtice of this clDice. (C) Calculation of Changes 1. ')00 Before each ~.)l8te. the Ibte !blder ",ill csl.culata my new rate of interest: by ~ ~ points (~%) to the Cun:mt: Imex. The SUll will be 01'J new interest rate until the IIeIlS: Olaqp! Il!lte. '!he Ibtle Iblder will tbi!n detenldne the _t of the IlIX1thly ps)'llll!Dt that WJUld be sufficient to reps:y d1e tq:a1d prtncipal. bs.lance of 01'J losn I aa expected to '- 00. the 0IIIIlge 1Bte in full on tile llllItUrlty date at my new rate of interest in substantially equal psj'IIli!fItl!. The result of this ""lod,otloo will he the new lD:llll1t of my lID1thly ps)'llll!Dt. (D) Effective Date of Changes ~ new rate of intli!:mSt will beame effective on each 01ange Dlt:e. I will PlY the new _t or IllY 1llCOthJ.y p8)1B1t each 1IIJDth ~. 00 the first lIlOrlthl.y p8)VlI!I1t date after the 01ange Dlte wti1 the lDlUIIt of my lID1thl Y ps)'IBI!IIt clrqr,es again. (E) Notice of Changes The lbte lhlder will 1IlIlil or deliver to me a notice of any chsnges in the lIIIPll1t of my monthly ps}IIII!!lIt before the effective date of any~. The notice will include information required by ~ to he giwn .. -' also the title and teleP'Jooe lUIIber of a person 10110 will answer any questioo I may have ~ the notice." B. ClWlGES; LIENS !h1fI:;:m ~t 4 of tbe Security l'nstruImI: is aanled to mad as f~: 4. aMZS; LIl!:NS. ~ shall pay all talES, ~rn "'- r", and other cl1m:8es, f:l.nes and impoeitioos attriboJl:.ab1A! to the Property lolI:rlch 1lIIlJ attain a priority CMI!r this Security InstrUllent. and Ieasetold ~ or gII'XQl tents, if any. in the __ pI:'O'rlded lnler paragraph 2 hereof or, if not paid in. such _, by llontIwer lIIIlldng pS)1l81l:, lotlen due, directly to the PS)"l!le thereof. Bo~ shalL ~y fuI;niS to I.eorIeI: all notices of aIII)OOts due uo:ler this paragt'8ltl, aIld in the event Borrower:- shill lIIIIIat ~ directly, Borrower shall praII!lt.ly furnish to LeOOer receipts ~ sucl1 pa~. 110. ~ shall pt'IlIIptly <lisdru:p any lien wh1ch tw. priority 0tIlI!I:' the Security Inst:rulll!r1C prorided, that Ilon:tMlr shall not be ~ to di.scIl8%ge any soch lien so lc:Ilg as 1loTmwer; (s) shalL .. in writitIR In d1e ps}IIII!!lIt of the obl.Iaatioo secund by suc.'t lien in a lI8Dler acCl!ptable to> UuI<<; (b) IIbaU in gQOd faith coatest such lien by, or defend against eofutt:lllDl!llt of such lien in. lepl P"',.-li'W' wh1ch in the op1nim of Lenier operate to prliMlDt the enforceaent of the lien or for:fe1b.n ofts Property or any (>lrt thereof; or (c) shall .....,.,..., froa the Imder of such lien /Do .- in a tom satisfactoty to LeOOer subordinating such lien to this Security InstrUllent. If ~ ~-_ that all or any part of d1e Property is subject to a 11m ..u.cll l1B'J attain a pdodty .... Sel:urity ~, Lmier shall seod Ibrn'IWl1!l' notice identifying such lien. Borrower shall aadafy such lien or tBk.e aa or lIlDt'e of the actillna set forth aIxM! within ten days of the it'liJll of fll'ltke. C. KOfICt: ~. ~ 14 of the Sec:ur1ty ~ is ...w to rnad all folu-: 14. libtJa. l'alepI; for: any notice ~ l.UIer "W11.l'''''''lI'law to he gi_ in soother __. (a) eny ~. to. ~ pl"OI1hW for in the Security ~ shall be g1_ by dellwring it or by ~ it 1:1)' fkat ~ aU ~ to e..rr- at the l'rop!!l1:y Mdress or at such ;lI;ldresa as ~.., ~~ by.mt.t;:e to umer lI& ~ hendn. and (b) >my not.lee to 1J.o:1yJer llhall be I'tJstAJ1.t ltAT~ lillDilt 5 YllAI1. TllEASURI llio-nEJ{ - t-4 fllldly pia (api MtldH led "/83