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r (8) Additions to My Unpaid Principal: If I choose to pay the Limited Payment, my monthlypa~llntCouId be less than the amount of the interest portion of the monthly payment that would be suffieienttore),'lllYthlJ' unpaid principal I owe at the monthly payment date in full on the maturitydateins~bstlJn~'eqwuc\ payments, Ifso, each month that the Limited Payment is less than theintere8tporttoD.itbe'NQteHlili!erWill,- subtract the Limited Payment from the amount of the interest portion and wiUadd the difference to m:Y'IlI}' paid principal. The Note Holder will also add interest on theaIDount of this difference to myunpaidpriJ1ci!l8l' each month, The interest rate on the interest added to principal will be the rate required by SeCtionA(3) abOve;" r q J ,,1 . ., ;,.....,:j :','i;'j ':-:')\.1 J .j I 1 I 1 .1 "1 (9) Limit on My Unpaid Principal; Increased Monthly Payments: My unpaid prineipa! caJtneverllX;~':ll maximum amount equal to one hundred twenty.five percent (125%) of theprincipalamOlmtloriglnally'..b<ir" rowed, My unpaid principal could exceed that maximum amount ifI pay a Limited Paym~nt. Ifso..onthedlite that my paying my Limited Payment would cause me to exeeed that limit, I will instead beglnpayinganelV" monthly payment until the next rate change date, The new monthly paymentwi!l befnanamountwhicli.. 'I-.'ould be sufficient to repay my then unpaid principal in full on the matllrity date at my' current-interest-.r3te~' : in substsntially equal payments, (10) Required Full Payment: Beginning with the first monthly payment after thefinalRateChangeDate;L will pay the Full Payment as my monthly payment, i ""j B. LOAN CHARGES: It could be that the loan secured by the SeCurity Instrument is subject to a law whieh setsmaximumloan: charges and that law is interpreted so that the interest or other loan charges collected or to be colleeted in con' nection with the loan would exceed permitted lim;'~, If this is the case. then: (1) any such loan charge shall be' reduced by the amount necessary to reduce the (, 1e to the permitted limit; and (2) any sums already .col. lected from Borrower which exceeded permitted limits will be refunded to Borrower, Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to BOtTOwer, 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 identifying that lien, Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating that !iento this Securit.y Instrument, Ii"> :- D, TRANSFER OF THE PROPERTY: )> OJ (() -I ;0 ):> n -i If ther" is s t.ransfer of the Propert.y us described in the &'Curity Instrument, Lender may require (l) an in. crea.se tn the current Note interest. rate. or 121 an Increase in (or removal of) t.he limit on the amount of-anyone interest rate change (if there is a limit.!. or la) a change in t.he Base Index figure, or all of these. as a condition of the Lender's waiving the option to accelerate provided in the Sl."'Curity InstrUITlent. By signing below, Borrower accepts and agn;JS to the terms and coyenants contained in this Adjustable 1M" Rider. / :,,_ ~} ~~~~-- "--Borro;; ~/'\ :;uN ;; ~ 'U -n \t o ~,~ ~~ t ~~ 1;> \.. l ADJUSTABLE RATE lOAN RlDER Borrower . ~ 00,.,.. ~". ,t; I~ ,:..' " (')(ft <::> -< C",P- ;<"-< ....'" -<0 0-0 -'1 % ~~ ,-J>- '" :>< >- ~~ c._ = = ,...., --' 00 ') 0;2 <'';>3 ..r:~ N;" w? ~ r-.I {fl .C ~; HbL 4. Sot