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83;;"'\J 1J 6595 (B) Aunnt. of Monthly ta}'llll!Dts My!lD1tbly payment will be in the auont of U.S. $ 143.77 . The Note lblder will change mylll"JDtb1.y, plYIIBlt asrequ:ired by Section 4(C) be1.oro1on the otn Interest ~ n.t:e an:i ~ that day,ewry36thttmth theraafter, Each of these dates is caneifa'"Payment.Olange Date". . TheNJte l!cll.dIerwU.l also'<:IB9my lIJ:lI1thly payment O[unyInterest ~Date if Section5(B)be1.oro1requires me to pay. tha. l'I1llMonthLy Aunnt.. (C) <alolladm of !txIth1.y ~ <::hm8es . .. , Before each tayment ChaDge Date, the Note lblder will calCulate a new llDlthlypayment: sufficient to repay the unpaid prlD:ipalbalance on my lciBnin full on the uatuIity date at thetaynEntRatein subs~"",",nlly equal pa.)IIIEI1ts. The '"Payment Rate" is the sun of the Index figures on thefive Interest QlanaeDal:2S prece.!d1ng a Payment ~ Date plus the QJrrent. Index, divided by theiiiiiiier' .....iL plus 3.150 percentage points (3.150 %), roucded to the marestooe-eight:h of one perca1tage point (U.I25%). Except the !'8}'III!nt rate Will not exceed 13.990%. (D) Effective Date of ta}'llll!Dt ~ lhtil. the next Payment Olaoge Date, I will pay the 8llD.Illt of my new .llDlthly payment each llDlth begim:lng on the first lIJ:lI1thly pa}'llll!Dt date after the Pa}'llll!Dt Olange Date, or Interest ~ n.t:e if Section 5(B) be1.oro1 requires me to pay the Full Monthly Annnt. 5, UNPAID PRINCIPAL BALANCE (A) 01atges in My Unpaid Pr:i.nr..ipalllalance MylllJDth1y payment could be less dlan the aocunt oftheintarest portion l>1 the first Full lblthly !m:ult I .- or less than the iucerest portion of my first full fuothly Annnt after an Interest Olange Date. If so, the Note lblder will subtl:act the8lD<lUlt of my lIIJDth1y paymentfmllthe aunt of inl:en!st I 1M! an:i will add the difference to my unpaid pr1ncipalbalance eachDnlth mti1 the next Interest Change Date. The Note. lblder. will also add interest on the alDJlnt of. this differen:e to my unpaid pr1ncipal balance each mcnth. thtil the next Interest Olange n.t:e when the Note lblder M~- ""'" my new intetest: rate on my then unpa:ld principal balance, the rate of interest on the :l.nterest added to principal will he the rate det:enllined in SectiDn 2 above. MyilDlthly pB}'IIlI!Dt could be ame tl8n the aocunt of the Full Mlnthly Aunnt.. If so, tie Note lblder will subtnlct the differeace fraa the unpa:ld principal balance of my loan each llDlth until the next Interest ChaDge Date as if I had IlIlde a part:lal prepayIIBlt lD:Ier Section 7 be1.CM. (8) LiIIItt a> lhpUd Prin:ipalllalance; Requ1redFull lblthly Annnt My unpa:ld pr.I.ncipal balance can never exceed a maxim.m alDlnt equal to ODe lu1dred. tletty-five perca1t (125%) of the principal aoom.t I originally borrowed. If my paying the _t of my IIIlDthly pajlll!l1t after any Interest Change Date ...xWi cause the unpaid principal balance to exceed that lIIIX1DuD aoom.t at any time, I IlIlSt pay lmtead the Full M:lothly Aunnt. as my lIJ:lI1thly plYIIBlt mt1l the next Pa)'IIB1t Olange Date. 6. NOTICE OF CHANGES The Note lIolder will lllIl1l or dellWI' to... a notice of any clmJges in the Full Monthl.y .IlunDt an:i my lIIJDth1y. pB}'IIlI!Dt before the effective date of any cl1aqje. The notU:e will itrl.ude 1nfo1:llll.tion ~nld by law to be giV'Ell me an:i also the title an:i telejXo:Je l'IUIIber of a perscn.ro will answer any <p!Stion I may lave reaanI1ng the IX>tice." B. CHARGES; LIENS Il11fom CI::M!:oant 4 of the Security Insr:l:uIEnc is ilUlIDled to read as follows: 4. QIarges; IJans. llon:ower shall pay all taxes, <,=-_n, ani otter chaxges, fines an:i i'V"'1tialS attributable to the Property "Which may attain a priority over this Security InstrUllent, an:ilsaeelDld pa)llll!llt.s or ground rents, if any, in the lIBtIDl!r provided unler paragraph 2 hereof or, if not paid in such 1llIImI!r, by !loJ:r.-r III8ld.ng pB}'IIlI!Dt, "'- due, directly to the payee thereof. aom-r shall prooptly fumish to Lender all oot1ces of SIIIlWts due uncIer this paragrajil, an:i in the event !loJ:r.-r shall maIre pa}'llllllt di1:ectly, !loJ:r.-r shall pIaDptly furnish to Lender receipts ~ sur:b pa,...u. ~r shall pr:aapl:ly d1Bcbarge any lien 10bich IDs. priority over this Security ~; provided, thot ~r shall not be requinld to discharge any such lien so loog as 1!ar:rawIr: (a) shall agne in writing to tho pa}'llllllt of the obligation secured by such lien in a lBDlr ~1:>1~ to Leoder; (b) shall in goo:! faith <:a:ll:est. such lien by, or defea:I .against 'lO~ of such lien in, 1epl ~ "Which in the op.l.nia1 of Leoder operate to prevmt tie ~ of the lien or forfeiture or tre Property or any part thereof; or (c) shall secure fran the Inlder of sur:b Uen an ~t in a tom satisfactory to Letder sub:)Itlina~ .such lien to this SecuI:ky ~. If Leoder n.._..... tlm all or any part of the Property is subject to a lien 10bich may attain a pd.od.ty ~ this Security Instmlll!llt, Lender shall seal l!cxnM!r notice identifying such lien. Ilon:tlllltr shall satisfy such lien or taka ODe or nme of the actioos set forth alxlYe within ten days of lb! gi1/1Qg of mt:ice. C. NOTICE 1.b1f0llll ~ 14 of the Security lnst:ruae1t is IlIlI!Ilded to read as follows: 14. Notice. ~ for any mt:ice requited IDler appl.1cahle law to be gi""" in aoother 1lI!IID!r, (a) .., oot:I:ce to !loI:J:'Qer prori.ded. for in this Security InstrUllent shall be given by delivering it or by aai.U.!c it by fmt elMs lIB1l sddJ:eesal to ~ at the Property Addmss or at such other addJ:ess - .~ faT .~ by IlOtia!to Leoder as proIT.lded heretn, an:i (b) any ootice to Lender shall be. ~.bt tu:.t. ~ aaU.to LeadIlr' It ~. stated heretn or to such other address as Lender lIIlY .....byllOd&le to ~. as .pL'OVided heretn. My ootice pro'IUied for in the Security ~.1IIbIll b& a.-l. to lww been ll1ven to 1lorraoIa- or la1der "'- gi~ in tie _r ~.bmIbl. D. UlflFOIK mum OF TRUST; GOVE1Uf!NG LAW; SEVERABILITY tbttcim.o-.nt 15 of the Security ~ is lIOIl!Died to nai /Ill follc:Jw: l5. U:l1tolla llMcl of '!.".NIt; ~ 1M; s-r.hU1ty. This fona of Security lnstxumnt caah1nes wttoa. __ for ~ .. -.l-.m.f0ll1l ~ with I1m1ted variatials. by jurisdi.ctiDn to -Utlllaa .mama -.it)' ~ ~ real prnperty. This Securlty Tl18tlUDo!nt shall