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I" ; gg:...... '006735 (B) Adnnt of ltlnthly Payments IV matthly payment will be in the _t of U.S.. $ 218.85 . The Note !bIder will change IIl'J nrmI:h1y payment as requ:I.red by Section 4(C) bela< on the 6th Interest Oatge DBte and on thet day every 36th umth thereafter. Each of these dates is c:a1lOO""a "Payment Ovlnge Iete. " The Note Iblder will also changelIl'J monthly payuelt on 8trj Interest Change t\1te if Section 5(B) be1.coJ requ:Ires ~ to JIlY the MlMoothly llunnt. (C) Calo,Jar1on of Monthly Payment ~ Before each Payment Change t\1te, the Note Ib:lder will calcuJ.a.te a new'lIIXIthly payment suff:lclent to repay the tqaid. !rlocipal balance on IIl'J loan in full on the maturity date at the Payment Rate in substant1ally equal payDlE!I1ts. The ''Payment Ra;:.e" is the sun of the Index: figures 00 thef1ve Interest: Change lates preceeding a Payment Change t\1te plus the <lD:Tent Index:, divided by theiiiiiiier 6 plus 4 . 150 percentage points (4. 1 50 X), totnle:i to the l1l!ateSt ooe-e1ghth of om pen:entage point (0.125%). Except the payment rate will mt exceed 11..990%. (D) Effective late of l'ayIII!nt ClJanges futil the next Payment Change Date, I will. !>iy tll! BllIlUllt of Tll'J new llDlthly payment each month ~ 00 the first monthly payment date after the Payment Change t\1te, or Interest Change t\1teif Section 5(B) below requires me to !>iy the Full M:mhly AImunt. 5. UNPAIU PRINCIPAL BALANCE (A) Changes in IV llipaid I'ti.nc:.pal Balance ~ matthly payment cculd be less tlmt the allU\t of the interest POrtion of the first Ml Mr:nthly!mult I ~ or less than the interest portion of Tll'J first full lbnthly Am:uit after an Interest Change late. If so, tll! Note Holder will subtract tll! anrJWt of IIl'J matthly payment fmnthe aunt of interest I OWl! and will add the diffenn::e to Tll'J 1JII!Ili.d pr:I.Ix:ipal balance each IIIlI1th until the next Interest Change DBte. The Note Ihlder will also add interest 00. the. BllIlUllt of this differeree to Tll'J wpa:l.d pd.ndpsl balance each!lDlth. lhtil the next Interest Change Date >ihen the Note Holder determines Tll'J new' interest rate on IIl'J t!en mpaid pr1nclpal balance, the rate of interest on the interest added to pdnclpal will be the rate determined in Section 2 above. ~lIIlOthly payment could he llDre than the allU\t of the Full lbnthly Am:Rnt. If so, tll! Note Holder will subt:nIct the difference fran the tqaid pdnclpsl balance of IIl'J loan each !IDlth until tll! next Interest Cbange late as if I had mde a partial pre!8yment I.Dler Section 7 below. (B) Limit 00. lhpaid Ptireipal Balaree; Required Full fulthly Amlmt ~ tqaid pdndpal ba1ance can never exo!ed a IlIIldm.m anowt equal to one IuJdred bienty-fi'le percent (125%) of the pdnclpal aanm I orig1nally~. If IIl'J paying tll! /IlIllnt of IIl'J IIIlI1thly payment after <my Interest Change Date would cause the unpaid principal balance to "'" '~d that lIlIIlliIIuu /IlIllnt at any t:l1le, r IIIJSt pay instead the Full !blthly !mult as Tll'J llIXlI:hly pa)'lJl! lC mtil the next Payment Change I:8te. 6. NOTICE OF CHANGES 1ha Note Halder will mail or deUver to me a notice of any changes in the Full Mr:nthly Am:uit and Tll'J llDllthly pa:yment before the effec:ive date of any...!\angle. The notice will iR:lude infonmtion requira:l by law to he given me and also the title and tel~ !IlIllbe<: of a per;;on ..ro "'-11 answer 8trj <p!Stion 1 my have ~ the rntice." B. CHARGES: LIENS lhl..fOtlll c::o.en.mt 4 of the Security Instnmenr is BIlI!Dled to read as follows: 4. ~; Liens. !lllrram" shall pay all tala!S, asseslllll!Ilts, an:! ot:hel: charges, fires and l...,....iHWI' attributable to the Property IoiUch my attain a priority over this Security Instrllnent, and leelieb:Ud pa)'llli!nts or groo.ni rents, if "'IY, in the mamer providEd under paragraph 2 lereof or, if IlDt pa1d in Sldt llIItIlet, by !lllrram" 11IBking payment. >ihen due, d:in!cUy to trepayee thereof. Ilorroer shall prolIPtly fum1sh to Lealer all oot:ioes of aur>tIltS due under this paragrilp" and in the lMlDt ~ shall lIIIIke payment diJ:ectiy, 1loI'I'CWlr shall prollptly furnish to leOOer receipts ~ Sldt pa)'lEDU. IlomJwer shall prauptly disclvu:ge any lien Iotdch has priority 0IIet' this Security Ins~t; prov1ded, thlt Borrower shall rot be required to d.ischarge any such lien so loog as Borrawer: (a) shall agree in writing to the pa)'lllllllt of the obli8Iltion secured by such lien in a lBIIlII!l1' "<'O"pr..l)J~ to laxIer; (b) shall in good faith contest Sldt lien by, or defend against ~ of such lien in, J.easl ~ IotW:h in the opinioo of Lealer operate to pl:e\'elt tll! ~ of the lien or forfet= of the Property or 8lJ'f parr thereof; or (c) shall secure fran the lDlder of SlEb lien an ~t in a tom satisfactory to U!OOer sub:>rdinat:ing Sldt lien to this Secur:ity ~. If leOOer n..r...."q".... that all or 8trj part of the Property is subject to a lim Wch ID3}' attain a pdt>rity <:Mar this Security InstrlDent, Lealer shall seni llom:1wer notice ident:ify:l.og such lien. Borrower shall satisfy such lien or take one or """" of the actions set forth above within ten days of the giving of mtice. C. NOTICE lhl.f<ma 0:M!nant 14 of the Security Instruuent is """'llded to read as follows: 14. Notj;:e. ~ for 8trj notice required tnler applicable law to be given in another nsnner, (a) 8lJ'f ll(lUce to Ilorrower prov:1ded for in this Security lnsl:nment shall be given by dellwring it or by lI8illqJ it by fint c1aaa ..u addres8ed to 80rrawer at the Property Miresa or at such other address .. ~ -.y des1pte by ootice to Lender as ptoYided herein, an:! (b) any notice to lender shall be gi._ by ~ c:.las$ Il8il to J.end8r's address stated hatein or to such other address as Lender 118Y ~. bJ. nat1<:e to IlomJwer as prov:1ded her1!in. My notice ptoYided for in the Security ~. llIIaU be ...." to have been s1wn to ~ or Lender when giwn in the lIIBImel" "-l~. hQIdn. o. Ul'IU'OllM nuo or !RUST; GQVEllNING !..AW; SEVEIWlILlTY ~ ~ 15 of the SlIcuritylnlt~ 18 -.:led to read asfol.looos: U, \llJ;.fom~ of.!NIt; ~ t..; SeMorabUity. This !om of Security lnolttuDent caabines i&\itOIlI ..--ts for te1o<la.l.... and lli:lO:'U\ifotal ~ with .Um1ted varistioos by jurisdiction to ~t:1ba .. m1fum -=udty 1m1:l:\.-t; cow.r;iq:J nW. property. This Security fnstrlDent "hall