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r 83.;;... 006737 (B) Amr:u:u: of ltlnthly PaymentS l1Y IllCI1thly pa)'\lI!Ilt will be :In the aIlIlUlIt of U.S. $ 365.90 . The Note Holder will change mynadlly pa~asrequ.1red by Section 4(C) below on the b.n Interest Change Date and on that day every 36th. IIXllIth t:here8fter. Each of 1:hese dates is calIiiifa ''Payment Olaoge ))ate.... 1be Note lbl.der will also ~. my lll'lIlthly paylIB1t on.arr.f Interest Change Jl1teif Section 5(B)below requires _ to pay t:he F\1ll Moathly AuIuu;. (C) Calculation of lb1thly Pa}'IlBIt Gbmges Before each Pa~ Olaoge Jl1te, the Note Holder will calculate a DeW UIlIIthlypa)'\ll!lltsufficient to repay the unpaid pc1trlpal balance on my loen:ln full on the IIBturity date at the Pa}'IlBItm:ln S\,bet-ri~l1y equal pllyIII!nts. The "PaymE!lll: Rate" is the sun of the Index figtm!s on the ve Interest 0Iange I8tes preceed1ng a Payment avmae))ate plus tre ilirrent Index, dividad by the iii'iiiier: 6 phil 3. 1 50 percentage points (3. 1 50 %), rounded to the nearest ooe-eighth of om pen:entage point (0.125%). Except the payment rate "-1.11 mt exceed 13.990%. (D) Effectiw Jl1te of Paynent: Gbmges Until the next: Paynent Change ))ate, I will pay tre aIlIlUlIt of my new tlXlIlthly paynent: each IIXllIth beglming on the fiJ:st 1lDlI:hly paylIB1t date after the Payment. Change Jl1te, or Interest: Change ))ate if Section 5(B) below ~ me to pay the Full l-tJnthly ADnnt. 5. UNPAID PRINCIPAL BALANCE (A) Olanges in l1Y lklpaid Prtncipal Balance l1Y lDlDthly paynent could be less than the anwnt of the interest portion of the first F\1ll Moathly!mlwt I owe or less than tre :Interest portion of my first full M>nI:hly i\m:u1t: after an Interest <lIange Date. If so, the Note Holder will subtract the 8I!IllJlt of my 1lXXIthly paymE!lll: fianthe aIlIlUlIt of int:erest I owe and will add thediffereoce to my unpaid pritrlpal ba1ance each 1lXlI1th mtiJ. the next: Interest Change ))ate. The Note Holder will also add interest 00 the amount: of this differeu:e to my unpaid principal balance each ur:nth. lbtil the next Interest Change Date lNhen tre Note Holder detenDines my new interest rate on my ttsl wpaid principal bal.anc.e, the rate of int:erest on the interest added to principal will be the rate deteImined in Sectioo 2 above. l1Y llIXIl:h1y payment could be IlDte than tre lIID:U1l: of the Full Mmthly i\m:u1t. If so, tre Note Holder will subttact the differecce fnm the unpaid priIr;:i!Rl bal.anc.e of my lam each IIXllIth until the next Interest: Olange ))ate as if I had nsde a partial prepaynmt LIlder Sectim 7 below. (B) Limit: 00 lklpaid Principal Balance; Required Full M:nthly i\m:u1t My unpaid principal balance can never exceed a l!lEIldnun amount equal to om luldred Oil!nty-fiw pen:ent. (125%) of the principal aIlIlUlIt I originally borroIoed. If my paying the B\lDWt of my omth1y pBymoDl: after any Interes. <l1ange late Io<lUld cause the unpaid principal balance to exceed that: IIIIXltlua aIlIlUlIt at 81rf t1me, I IlllSt pay imtead the Full Moathly Aon.1nt as my omthly pa)..': lJltil the next: Pa,meot <lIange ))ate. 6. NOTICE OF CHANGES The Note Holder will mail or deliver to me a ootice of 81rf changes in the Full Mmthly i\m:u1t and my tI!OO1".hly lP\1IIll!Ilt l:efore the effectiw date of 81rf change. The rotice will include infonmtion requited by ra.. <.0 be gi"'" me an:! also the title an:! telephone IltIlIber of a par&n \ob) will answer 81rf questioo. I my have re:!,1.IlI'.og the ootlc<o." B. CHARGES; LIENS UnifODll Cownant 4 of the Security Instrunent is amended to read as follows: 4. <llaqr!s; l.i.eos. ~ shall I>'y all tslleS, assesSllmtS, an:! other cllaIges, fines an:! .~ att:ributabl.e to the Property lobi.ch nsy attain a priority over this Security Instnm!nt, an:!.l.eaaebn1.d pa)'le1ts or gro.nI tents, if 81rf, in the msmer provided uOOer paragraph 2 lBII!Of or, if mt paid in such lD!JIlDer, by BoITllWl!r mald..og pElYlDent, >>hen due, din!ctly to the payee thereof. BoITllWl!r sball praDptly fumish to lemer all rotices of a\lDWts due UDder this parlIgr:aIit, an:! in tile event ~ shall IllOke I>'yment directly, Ilorroo.er sball prouptly furnish to Lender receipts evideo:i.og such pa}'llBltS. ~ sball pnmptly d1schaJ:ge any lien IotU.ch has priority 0\1el' this Security Inst:ruaent; provided, that Ilorroer shall mt be required to discharge 81rf such lien so 100g as~: (a) shall agree in writing to the payment of the oblipp.tlon secured by such lien in a --- acceptabl.e to LeoIer; (b) shall in good faith contest such lien by, or defend against enf~ of such lien in, le8el proceedings ..trl.ch in tre opinioo of I.ender operate to prevent the enfOl'Cl!lBlt. of the lien or forfeiture of the Property or any part thereof; or (c) shall secure fnm the 00lder. of such lien an agreeaent in a form. satisfactorY to lender subordinating such lien to this Seela:il:y ~. If LenIer ...........-1...... that all or any part of the Property is subject to a lien Web may attain a ~iority 0\1el' this Security Instrunent, lender shall. seal ~ ootlce identifying such lien. Ilo1:rower shall satisfy such lien or take one or ~ of the actions set forth above within ten days of the giving of notice. C. NOTICE'. UnifOllll ~ 14 of the Security L'lStruDent is allO!Oded to read as follows: 14. Notice. Except for sny ootlce required UDder applicahle law to be given in another llBI1Der, (a) any llOt:l.ce to Ilorr.-r provided for in this Security Inst:rUlllent shall be given by delivering it or by IIlU.U.qJ it by fiI8t: clalIIa IlIlil ~to ~ at tre Pl.'t>perty Address or at such other address 88 ~....,. ~ by notice to I.emer aspt'O'dded herein, an:! (b) arq notice to I.eOOer shall be &1- by f1:rat claIl8 llll.U toLeoler- s lIddress stated i:Brein or to such other address asLeoler IlIlY ~. by llOt:l.ce to Ilo1:rower as provided.. trarehl. Any notice proyi.ded for in the Security ~ 1Ib8ll be ~ to have been &1-. to ~ or LenIer when gl.ven in the __ ~...~. D. lllIUOIH DEED 0' TRUST; GOVERNING LAW; SEVERABILITY ~~ 15 of U. Security ~ is -.led to read as follows: 1S. ~.Derol of TnlR; ~r-; ~ty. This form. of Security tnatt\lll!nt caub1nes \1Di.tQa~tafur.l'liIUooal .... and ~om CO\4OIlBnt.lI with lUId.teto ~tullt a ml.fQra -.u:1ty u.tl:UIalt cOliO!d.~ t'ealp:roperty. This Security InstroDllnt shall L