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r r (8) Additions to My Unpaid Principal: I f I choose to pay the Limited Payment, my monthly payment could be less than the amount of the interest portion of the monthly payment that would be sufficient to repay the unpaid principal I owe at the monthly payment date in full on the maturity date in substantially equal payments, If so, each month that the Limited Payment is less than the interestportion,theNote'HolderWiJI subtract the Limited Payment from the amount of the interest portion and Will add the difference to'rnY unc, paid principal. The Note Holder will also add interest on the amount of this difference to my:unpaid principal each month, The interest rate on the interest added to principal will be the rate requiredbysectionA(3)ilbove. (9) Limit on My Unpaid Principal; Increesed Monthly Payments: My unpaid principal can never (lXClilld a maximum amount equal to one hundred twenty-five percent (125%) of the principal amQunt Iorigi1illJlY!)Q~~ rowed, My unpaid principal could exceed that maximum amount if I pay a Limited Payment. Ifso,onth~date that my paying my Limited Payment would cause me to exceed that limit, I will instelldbeginpa3'inlJ'ane", monthly payment until the next rate change date, The new monthly payment will be in anamount'wlili;h-- would be sufficient to repay my then unpaid principal in full on the maturity date at my current iJite:l'estrllte in substantially equal payments, (10) Required Full Payment: Beginning with the first monthly payment after the final Rate Change_Date,'I will pay the Full Payment as my monthly payment, B. LOAN CHARGES: It could be that the loan secured by the Security Instrument is subject to a law which sets maximumloan charges and that law is interpreted so that the interest or other loan charges collected or to be collec:ted-ln'conc:: nection with the loan would exceed permitted limits, If this is the case. then: (1) any such loanchargeshalli>e- reduced hy the amount necessary to reduce the charge to the permitted limit; and (2) aIIY su"nsaheadycol" lected from Borrower which exceeded permitted limits will be refunded to Borrower, Lender may choose to- make this refund by reducing the principal ed under the Note or by making a direct payment to Borrower, C, PRIOR LIENS: If Lender determines that all or any part of the sums secured by this Security Instrument are subjeCt tO,a lien which has priority over this Security Instrument, Lender may send Borrower a notice.identifyingthlit lien, Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating that lien to this Security Instrument. D, TRANSFER O}<' THE PROPERTY: If there is a transfer of the Property as described in the Security Instrument, Lender may require (1) anin- crease in the current Note interest rate, or (2) an increase in (or removal of) the limit on the amount of anyone interest rate change (if there is a limit), or (3) a change in the Base Index figure. or allofthese. as a condition of the Lender's waiving the option to accelerate provided in the Security Instr:ument. By signing below, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider, If) n I) (\'-----.., () I () ! Jcsi~t~ / i 'r ) f,)JJ 'ROOl1--~ "r'~~-~-~- ey . U Borrower C" / ,(\ llUhL ~~~_\.L_. . _____ . Borrower ;;> :- )> III III -! ;U )> 0 L -t '" 00"" .$:.:>o~ "'C'; 11 :'~ t~,. ff 0 ~ ) I~'~l!t,:~ rl.. \, -t..1, , -, cn- (,,-) ~ = Uj ,:,,<, ADJUSTABLE RATE; LOAN RIDER fBbt.4$4