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<br />Loan No. .....jj99-J4-b-18-..,
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<br />ADJUSTABLE RATE. LOAN RIDER
<br />84. ..........oOi241"
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<br />NOTICE: THESE~ SECOREs A NOTE'.wm<::ON'1'.An;$'
<br />A . PROVISION 'ALto. GiS . IN. nm'. .... . . .'AA'J;1ll~Q(;;
<br />CREASES IN ~'~"...., .;\\'ILL RESULTINlD:q~'rA- . ..,. . -.
<br />DECREASES'm''rFIEtNTERES''l''RA'l'E'WILL RESULT INLQJ\l:ERP.A
<br />This Rider is made this ....,....1.9tl:L.... day of ......"'.......,..........JiJt\El;..... 19.a4.i. ~il~;
<br />into Bnd shall be deemed to amend and supplement the Mortgage, DeedofTrust;0l'J?eed1;.o~1:'fpel)t
<br />(the "Security IJl1Jtrument") of the _ date given by the undenUgned {the'~')t#.~~
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<br />rower'g Note te .. ....... ....,........ ..., ,..,,'........ ".,..." . "...." ,.., ..". ..... ..." "",...............,.....c...; ,...........,;,...:.;;.;;.1!;
<br />fi~.st,.Ee~IlU.,sa~iJl;JS.and.,L.D,an,. As.soc1at.lon, ,Q,f"UllCAln"..a,,1.lflj.:
<br />(the "Lender"l of the same date (the "Note"land Cov~thepl'Operty
<br />ment and Ioa1ted at.lQZJ.tiortb.QIlli...........,..........PT~rlY~l$laod.,...j>JPhTiosi4i
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<br />MODIFICATIONS, In addition to the covenants and a.greements made in the SecurityI1IlltI'ylrie.nt;J:lO:t;
<br />rower and l.ender furtbar covenant and a.groo lIS folio,,":
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<br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES
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<br />The Note has an'Initialln~ Rate" oL.....12..05'Q...%
<br />lntenolt 1'1Ite dlangl!ljl may occur 00 the 1st day of .............................,..Oc.tIJl:tet...... .19..1iS.,. andcm.thil
<br />ht dav of, .............Janua.r:y.",... 19,13:6,. and on theIst day of ,.......,.,.............,Mtll.,.;....,.19.;a<t.
<br />MId (}Ii the. lot day Qf.............J.Jl~.....,...... 19..8.6, and on thos& dat.esof thosemonthsm~
<br />y..a.r thereo.ftm'. F.ad1 date on which the rat<; of interest may change will be called a ''RateChangeDlitoif' ;
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<br />Chanllell inl,ritK"Jpal and intemst payments to adiWlt amortization of the loa.ntocormspondwith
<br />illl<'l'l'etrt rat<; dUtnge& _ball be made Oll the 1st day of .."...........:...........:44L.,.,.....".... 19,5t>,"andQIl'that
<br />date l!Vety '.. ~_~~__" y"ari" thereafter. Each date on which the principal and interest paymentnuiy
<br />ehllllge...m he called a "I'aylllt!n~ Change Date",
<br />Change! in the in~,"",l rate are governed by Chanl(L.... in lIn intenolt rat<; ind..x called the "IOO..x".
<br />Cheek !xn;(eII) to indicate lndd.
<br />i1) C) ;'C'lDll'lld lnt,,_t Rat.., PurdU1.~ of I're,'iOWlly ()e,'Upieti Homes, National Avemge (or all
<br />Major TylX"l (1( 1.__~" publ.iJllwd by t.he FedAmlJ H_ IAlltn Bank BOll.rd,
<br />(2) 00 Adjustab.l.e,H.aleNate '. MOntMy..average yield.Q!\,U.S."..Ireas.ury..5ecur.ities...
<br />adjuste4. toacons.Uint ,mootur.l..ly. aLl yeat .Pl,lb.lis1:JeO,l.:ly... ~, f:.edar.al..Re,sarlle...8(la.rd...,.............,
<br />Ch~;.k lx.x....) to ind.....te li,nits,
<br />(I) CJ 11 uw. b<>x ... ch<oo::koo, u...1'<l will t... n<J n:ulX~lUm iimit on. changel! in th.. int<;rest rate .upor
<br />down. Tlw PrelimiMry Hair ,.,f"rred l(l in Ih" Not..., will he Uw. new interest rate,
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<br />(i!} C, If this w:\ is cho!cked, the inte"",l I'lite that 1 pay _hall not !nerea".., more than.........."........
<br />I"'l'n'nl,~i;t' pOlOU. on any Rate Change !Jaw.
<br />un Li It this box is d,ed..,.]. the inhl....,t rate that I pay ohall not decrease more than ...................
<br />~--':fiI1G&C! j)oi..,~ Vii any H..~ C~ Uti,te.
<br />Ii) [j Ii thi;l. 00:\ is (;!locked, the inte~ raUi that I pay ohall n"""r he more than ,..13.9.50....%
<br />durin-. tlUIP<'riod I bavv U';' loan.
<br />(5) [j If this box is chec'ked, th. intere6t rate that I pay shall never be less thall ...0............,.. %
<br />during thO' p<<ioJ I hav" n,y loon,
<br />(0) If this b<"x is (heel,.,.], the principal 11lld inter...t payment that I pay shall not increase more
<br />UUUl pen;..nt em any Payment Change Date.' -
<br />cn D If thiil box u. chocked, the pl'in(,ipaJ a.nd inttoJ1:l\t payment that r pay shall not dc(;reasc more
<br />than pert-.mt on any Payment Change Date,
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<br />The monW}' l;l8ymMt amounl.1i will ahto dumll" on Payment Change Dates as provided in the Note,
<br />B<<-awIe paymentel:lanp8 may Ol'CUr _ ofum than inWrt",t raw changB$ and/or may be subject to certain
<br />limitatiowl ~ in the Notto. tbe monthly pavnwnu. maY be illl!ufficient at tUn<lS tl) pay ll""'l'Uing
<br />inmrn&t. In lro('h case, unpaid in~t is added to the principal balance 01 the Note lll)d it""lI will llL"rue
<br />l.nt_t tbt,tt'8fter.
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