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I L r 83- U06488 (3) AilDnt of Monthly Payments ~ IlIlI1thly payment will be in the aoount of U. S. $ ~,,< . !d. . ne Note Holder will change my nrmthly pa}lIl1flI1t as required by Section 4(C) I:le1oi on the ~tl' Interest Olange. Date and on t:l&t day ewry 36th llIlIJth thereafter. Eacl1 of these dates is caJ:J.e<fa ''Payment Olange fute." The Note lIo1der will also ~my 1ID1l:hly payment on any Interest Change fute if Section 5(3) I:le1oi requires llI! to pay the full Monthly llDrloot. (C) 0>1,.,,1o.-irn of ~y Payment Clenges Before each.Paymem: Change !Mte, the Note Holder will ca1cuJ.ate a new 1lIX1thly ...yment sufficient to reply the uapdd pd.Iclpal balance on my loan in full on tbe maturity date st the Payment Hate in substantially equal payIIE!Ilts. The '"Payment Rate" is the SlJll of the Index figures on the fi ve Int.el:elt Change futes preceeding a Payment Change late plus the ilirrent Index, divided by the DiiiIier (, plus '\. 1 'j 0 percentage points ( 3. I 5 (1 %), rooOOe:I to the nearest ooe-e:i.gbth of ana pen:entage roint (O..US%). rxccr't th' F':-lyT:ent ;;:~te ",'ilJ rot C'xceed 1 J. '}90:V. (D) Effective fute of Payment Olanges \htil the nett Payment Change late, I;,dll pay the aoount of my new 1ID1l:hly payment each llIlIJth beg:iming on the first lIOOt:hly payment date after the Payment Olange Dite, or Interest Change late if Section 5 (8) I:le1oi requil:es llI! to pay the Full Monthly Amunt. 5. UNPAID PRINCIPAL BALANCE (A) 0la1ges in ~ Uopaid Principal Balance ~ llIlIJthly ...yment could be less than the aor:.unt of the interest portion of the first full Monthly 1\m:uIt I Gile or less than the interest portion of my first full M:mthly Aonnt after an Interest Change late. If so, the Note Holder will subtract the aannt of my 1ID1l:hly payment fran the ~ of interest: I Gile and will add the difference to my unpaid principal balance each IIXlI1th until the nett Interest Change Dite. ne Note Holder will also add interest 00 the ~ of this differea:e to my I.1lIp!lid pritcipal balance each mwth. llitil the next Interest Olange Date when the Note Holder determines my new interest rate 00 my than wpaid principal balance, the rate of interest on the interest added to principal will be the rate determined in Section 2 above. ~ DlDIlthly payment could be III)re than the aIII:Ult of the full M:mthly AnDrnt. If so, the Note Holder will subt1:3ct the differea:e fran the I.1lIp!lid principal balance of my loon each 1lIX1th until the next Intl!rest Change late as if I had Dale a partial prepayment lD:ler Sectioo 7 below. (8) I..inItt 00 lbpai.d Pritcipal Balance; R<!quired full tblthly AnDmt My Ullp8id principal balance can never exceed a lIIIXiDun aIIDIIt equal. to ana lU1dIed tIe1ty-five pen:ent (125%) of the prL'!cipal "'""'-""!: I orig'ftGlly~. If my paying the arJD\Ilt of my IlIlI1thly payment after any Interest Change late Io01ld cause the wpaid principal balance to exceed that IlIIIXilII.a aIII:Ult at any t:iIae, I .....t pay imtead the full tblthly .>\nn.1nt as my IIDI1thly pa}W!:l1t mtil the next Payment Change late. 6. NOTICE OF CHANGES The Note llolder will mail or deli vet to me a rotice of any changes in the Flill. Monthly Aonnt and my 1ID1l:hly payment before the effective date of any chaQge. ne rotice will itcl.ude infoIlllStion required by law to be givm llI! and also the title and telepOOne rnJIlber of a person..oo "" U all!Ifo02t any <pestion I my have rngarding the rotice." 8. CHARGES; LIENS Unifotll\ O:M!r&lt 4 of the Security InstnmenI: is amended to read as fou.-: 4. Olaraes; I.ieni. l!olTcwer shall pay all talces, asse8l1lelltB, and other charges, fines and im!x>sitia1a al:tributable to the Propert;y.ntch my attain a priority over this Security Inst:ru:uent, and l.eaaeID1d pa)'Bllts or gro<n:I rents, if any, in the llI'Imet provided unlet paragraph 2 !l!reof or, if not paid in such lIIIlml!t, by Borrower making payment. when due, dirl!ctly to the ...yee thereof. Borrower shall ~y furnish 1:0 LeaJer all mtlees of aIIIJO.'l1ts due under this paragrlliD, ani in t!l! l!YI!I1t Borrower shall lIIlIi<e payment dirl!ctly, Bort'Giler slIlll prouptly furnish to Lender receipts ~ such pa)Wllts. llorrower shall prouptly disclvlrge any lien ..ntcl1 Iwi priority over this Security Instr\lllslt; provided, that Borrower slIlll rot be required to disclvlrge any such lien so loog as Borrower: (a) shall agEee in writing to the pa",.ent of the obli8Iation secured by such .lien in a _r acxepc.able to l.ea:Ier; (b) shall in good faith cootest such lien by, or defend against ~ of su::h lien in, 1ep1 proceedings ..ntcl1 in the opinion of lenier operst:e to prevent toc enfortellllilll: of the lien or forfeiture of the Property or any part thereof; or (c) shall secure fran the Io1der of such lien an agtel!IEItt in a fom satisfactory to lenier sub>trlinating soch lien to this Secutity lDit:nIIEm. If Lender ~-..l...... that; all or any part of the Property is subject to a lien ..ntcl1 may attain a priority 0\IlI!t thl.s Security Instr\lllent, lenier shall send Borrower notice identifying such .lien. Borrower slIlll satisfy such lien or take one or more of the actions set forch above within ten days of the gi~ of ootice. c. NOTICE Unifom COYeaInc 14 of the Security Instruleu: is amended to read as fou.-: 14. Not1ca. Exz::ept for any notice required under applicable law to be given in anot!l!r asmer, (a) any notice to Borrower provided for in this Security InstrulEnl: shall be givm by delivering it or by ~ it by f1rst c1alI8 IIBil ~ to llorrooier at the Property Address or at soch other address as Bomllet fIIII!1 desipl:e by notice to Lender as provided berein. alld (b) any notice to LeOOer shall be gl._ by fil:al: class IIBil to Lea:ler- s address stated !l!cein or to such other address as Lender my ~. by notice to Borrower as prov1ded berein. Any notice provided for in the Security ~slaU be ~ to haw! l-.. given to Borrower or Lender when g!1e1 in the IIIImI!I" ......ei blmD. D. U1HFOIlH DEED OF TRUST; GOVERNING LAIl; SEVERABILITY Unifma ~ 15 of the Security Insl:NDIIlt: l.s amended to read as follows: 15. tkIifomlllMl of TrolII:; Gawm.l.ng Uw;~. ThiB fom of Security lnstr\lllent cClllbinos 1lD1f01ll .-tlI fal" lllIt~ '- cd ,lO<I:"I.n1!ODIl ~ with 1l:a11:ed \ll!Iri.ations by jurl9dktion to Q:IIlRi~ll \Jrl1font OleCIr1ty u.~ ~ real property. This Security lnst:r:\lllmt shall