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I I.. 63......- ul,E25'7 (B) lmu1t of ~y Payments ~ mcnthly paymEnt will be iI1 the alOOUllt of U.S. $ 411.63 . '1te Note Holder will change my IIDI1!:hly payment as required by Section 4(C} bel"" on the 6th Interest Change Date am on that day ewry 36th IIDI1!:h thereafter. Each of these dates is caIl€if8 "Payment Change nate." Thelbte IIo1der will also clBnge my IIIXIthly payment on any Interest Change Date if Section5(B) belOw rE!<jIili'eS me to pay the F\1ll ~ylmu1t. (C) Calculatioo of llinthly Payment ClmJges Before each Payment Change Date, the Note Holder will calculate a new m:>rlthly paymentsuffident to repay the unp1id priocipal ~ on my loan iI1 full on thema.turity date at the PaymmtRateiI1 suletantially equal payments. '1te "Payment Rate" is the sun of the Index figl)res.oo the five Interest Change Dates preceeding a Payment Change Date plus the OJrrent Index, divided by the.TIiiiiier --2- pl.w 3.150 percentage poiI1ts (3.150 %), rOUlJded to the nearest one-eighth of one percentage point (0.125%). F~cept the payn-ent rate will not exceed 13.990%. CD) Effective Date of Paynent 01anges Until the next Payment Change nate, I will pay the alOOUllt of my new !lIXlthly payment each.1IDI1!:h begiming on the first !lIXlthly payment date after the Payment Change IBte, or Interest Change IBte if Section 5(B) below requims me to pay the F\1llllinthly Anxlunt. 5. UNPAID PRINCIPAL BALANCE (A) Ulanges in ~ Unpaid Princlpalllalance ~ lIIXlthly payment could be less than the alOOlIIIt of the interest portion of the first F\1ll M:xlthly Aunmt I oooe or less than too intemst portion of my fil:st full M:mthly t.mooot after an Interest Change IBte. If so, the Note Holder will subtract the alOOUllt of mylllXlthly payment fran the !IlIIlIIllt of interest I oooe am will add the differecce to my unprlcl principal ~. eachumthuntil the next Interest Change nate. '1te Note Holder will also add intemst 00 the amount of. this differen:e to my unp1id principal baLance each mcnth. Until the next Interest Change Date when the Note Holder det:ennines my new interest rate on my tlal unpaid principal ~, the rate of interest on the interest added to pr:lncipal will be the rate determined iI1 Section 2 above. My lIIXlthly payment could be IlDre than the !IlIIlIIllt of the F\1ll M:mthly AIlDmt. If so, the Note Holder will subtract the differen:e fran the unpaid priocipal ~ of my loan each IIDI1!:h until the next InteJ:est Change Date as if I had nade a partial prepayment ucder Secticn 7 bel"". (B) Limit en lhpaid PriIci.palllalance; Required F\1ll fu1thly lmu1t My unpaid principal ~ can rever exceed a maxlnun aunmt equal to one hundred twenty-five percent (125%) of the principal Bl1IlWt I origlnally borrowed. If my paying the aIlDWt of my mcnthly payment after any Interest Change Date ..,.,:w cause the unpaid principal baLance to exceed that maxlnun Bl1IlWt at any time, I DlJSt pay instead the F\1ll fuothly Anxlunt as my IIDI1!:hly payment untU the next Payment Change nate. 6. NOTICE OF CHANGES '1te Note Holder will mail or deliver to IDa a notice of any changes iI1 the F\1ll ltmthly A100wt and my t1Dtlth1y plyment before the effective date of any change. '1te notice will irclude infonmtion required by law to be givw me am also the title am telepbone ntJDber of a person..rn will ~ any question lmy have ~ the notice." B. CHARGES; LIENS Unifonn ~t 4 of the Security Instn.ment is auBlCIed to read as follows: 4. ~; Liens. Borroler shall pay all taxes, assesSlll!lltS, ani other chaJ:ges, fines am :Unpositioos attributable to the Property which my attain a priority over this Security Instnment, and 1easeIn1d plyments or ground rents, if any, iI1 the I1SlIIlet' provided ucder paragraph 2 b&eof or, if not paid in Sl.clI roamer, by Borroooer making payment, when due, directly to the payee thereof. Bo~ sba11 praoptly fw:nish to LenIer all notices of aIlDUlIl:s due ucder this paragr:apt., am in the E!V'l!Dt Bo~ shall make payment directly, Borroler slJall pmnptly fw:nish to LenIer receipts evideldng such pajlJBlts. Borro<oer shall pra:>ptly disclm'ge any lien Iobich has priority over this Security Instnment; provided, thet Borroooer shall not be required to discharge any sue,'., lien so loog as Borro<oer: (a) shall agree iI1 writing to the plynent of the obligation secured by Sl.clI lien in a _r acceptable to LenIer; (b) shall in good faith ccntest Sl.clI lien by, or defend against enforcaDent of Sl.clI lien in, legal proceedings which iI1 the opinion of li!nder operate to prevent the enforceDl!llt of too lien or forfeiture of the Property or any part thereof; or (c) shall secure fron the 00lder of such lien an agreEIII!llt in a fonn satisfactory to Lender subordinating Sl.clI lien to this Security Instn.ment. If leaIer deterDires t!rat all or any part of the Property is subject to a lieu which my attain a priority 011& this Security I:nstrunent, LenIer shall seni Borro<oer notice identifying such lien. Borroalr shall satisfy such lien or take one or lOOIe of too actions set forth above within ten days of the giviI1g of notice. C. NOTICE Unifonn Covenant 14 of the Security Instnment is aoJa1ded to read as fo:uc...s: 14. Notice. Except for any notice required UI1der applicable law to be given in another manner, (a) any notice to Borrower provided for in this Security Instnment sball be givw by delivering it or by ~ it by fil:st class DBil addressed to Borroooer at the Property Address or at such other address as l!qrrowe,rmay designate by notice. to Wder as provj,ded herein, am (b) any notice to Wder sball be giVli!n by first claSs ..n&il to Lender's address. stated !-ere1n or to such other address as li!nder my des!pee by, DOtic!> to.. Bo~r as provided herein. Any notice provided for in the Security Ins~ sl)all. be deEI\led to have been given to Borrower or li!nder when gi """ in the !IlllllIler des.:!gDi.te D. UNIFORM DEED OF TRUST; GOVERNING LAW; SEVERABILITY Unifonn Covenant 15 of the Security Instn.ment is aoJa1ded to read as follows: 15. lhifonn Ileied of Ttust; Governing Law; Severability. This form of Security Instrunent canhl.res wifonn CIJ'IIl!nmts for natiooal use am ron-uUforn; cove:>ants with limited var:Latlons by jurisdiction to Cooati~ a uniform security instnaent cowring real property. This Security Instruoont sball