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r (81 Additions to My Unpaid Principal: IfI choose to pay the Limited Payment, my mo?thly paYIDel1tcmJl~' be less than the amount of the interest po.rtion of the monthly payment that would be ~.iie~torepay;tiji., unpaid principal I. owe at the. monthly. payment date in full on the maturitydateinln1blJtl,u]tiliIly:~e payments, If so, each month that the Limited Payment is less than theinl;ilre8tportjon,the:I\loteHll~~ subtract the Limited Payment from the amount of the interest portion lU1~willllddthedifflll'~;o/my.~'{ paid principal. The Note Holder will also add interest on the amount of this differeneeto my:unPllilJ.'~~;:; each month, The interest rate on. the interest added to principal will he the rate required bySeCtionA(3F~ylif;': (9) . Limit on My Unpaid Principal; Increased Monthly Payments: My unpaid principal can.Jl6\rerelt~:~ maximum amount equal to one hundred twenty-five percent (125%) oftheprincipaJ~lluntI~riginlllli'~" rowed, My unpaid principal could exceed that maximum amount if I pay a Limited Payment. If 8O,011;tlll1'date' that my paying my Limited Payment would cause me to exceed that limit, I will instelldbeginPllyiJ1gane~.<{ monthly payment until the next rate change date, The new monthly.paymentwillbein /lIl!Ul1Ount~hiCll. would be sufficient to .repay my then unpaid principal in full 011 the maturity date at my current:int.ereat'rate, in substantially equal payments, ""~i\;1 f,~}jl "i.tic . {''!l' (10l Required Full Payment: Beginning with the first monthly payment after the final RateClIangeDateiI 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 toa law whichsetsnuiximumloaiI, charges and that law is interpreted so that the interest or other loan charges collectedortobecolleCtediiico~- nection with the loan would exceed permitted limit Of this is the case, then: (1) any such loan chaige.shallb6" reduced by the amount necessary to reduce th" cha.>_ to the permitted limit; and (2) any sums alieadyCQI' lected from Borrower which exceeded permitted limits will be refunded to Borrower; Lender may choosej;o make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower, "1;;: C-_;.,-'-:'--:\',: ':~ _":r~ C, PRIOR LIENS: o 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 lien-to this Security Instrument. :- )> lD Ul -I ;U ;po o -I D, TRANSFER OF THE PROPERTY: If there is a transfer of the Property as described in the Security Instrument, Lender may require (1) an in- crease in the current Note interest rate. or (2) an increase in lor removal of) the limit on the amount of anyone interest rate change (if there is a limit), or 131 a change in the Base Index figure. or all of these, as a condition of the Lender's waiving the option to accelerate provided in the Security Instrument, By signing below, Borrower accepts and agrees to Lhe terms and covenants contained in this Adjustable Rat.e Rider, /-. "\. .'. '. . .I') e.' (! '7 Iv ~fSU -~I;;:!"'~ear=--:-- ~---- Borrower 4/_ ~ / ~ ) PI:??,('G<~2~~'/ y'-<""-----____ 'MaiY~- ar t Borrower . 00 m ~)J 0:> n tn ~ :J ... 0-1 ~ c: 3>- I c.... ~ -I <1i = -I m 0.. """ -<0 :? t. '" <::> ..." ~ '" i1 -.J "TIz C g ~., ~'>\ :x: n1 0 ~J ~ >- c:> ,- "" >~1 t r ;.- W 3 (n 0 '" Cf> ,;;: '1' "'.JJ "" 2- " .,. w t <.r. ~...., :z: ....... Cf> - ~'O '9 L tn ;?i5 T' :"'IJl 1<\ ADJUSTABLE RATE lOAN RIDER t9&t4.84