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<br />(8/ Additions to My Unpaid Principal: If I choose to pay the Limited Payment. my monthly payment could
<br />be less than the amount of the interest portion oIthe monthly payment that would be sufficil1nttorepaY~l1e
<br />unpaid principal I owe at the monthly payment date in full on the maturitYdatein<sul!~ta'ntiaiIy~lUll
<br />payments, If so, each month that the Limited Payment islessthanthehiterestportion.t~fi~Holdel"wlll"
<br />subtract the Limited Payment from the amoullt of the interest portion andwill~ddtJtlldiff~n~i;()P:'~~~c
<br />paid principal, The Note Holder will also add interest on the amount of this difference tomycunpaid,p'#lCli~': '
<br />each month, The interest rate on the interest added to principal will be the rate required by. SeCtion'J,.(3) 8ilQVe.'
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<br />(9) Limit on My Unpaid .Principal; Increased Monthly Payments: My unpaid principalc:anl:l~va'
<br />maximum amount equal to one hundredtwenty,five percent (l26%loItheprincipalaml;luntI?ri ,. '" ,....1><11(.....
<br />rowed, My unpaid principal could exceed that maximum amount ifIpay a LimitedPayJ11ellt.Jf.~,.l;l11tlie~~;'
<br />that my paying my Limited Payment would cause me to exceed that limit.. I will instea(lbegmPayiiiga'n~ .
<br />monthly payment until the next rate change date, The new monthly payment.wilIbeinllDl!ID()11nt1'fh,i~'. '.' .
<br />would be sufficient to repay my then unpaid principal in full on the maturity date at my eurrentinte~~t;l'8~'
<br />in substantially equal payments, .
<br />
<br />(10) Required Full Payment: Beginning with the fll'stmonthly payment after the final RateChangt!I)'~l:e,);" . .'.
<br />will pay the Full Payment as my monthly payment, . .
<br />
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<br />
<br />B. LOAN CHARGES:
<br />
<br />It could be that the loan secured by the Security Instrument is subject to a law which setsmRYiTrl.~.!~;;i':.;;;l
<br />charges and that law is interpreted so that the interest or other loan charges collected or to be coIIec~.il1:cpn,;
<br />nection witb the loan would exceed permitted limits. -, this is the case, then: (IJ any such loan ehar~~!Ull,l'~~i
<br />reduced by the amount necessary to reduce the ~!. ge to the permitted limit; and (2)anysums~dYCol':
<br />lected from Borrower which exceeded permitted limits will be refunded to Borrower.Lenderma)'chl)()~t<>;.
<br />make this refund by reducing the principal owed under the Note or by making a directpaymant toBOrroweri-
<br />
<br />C, PRIOR LIENS:
<br />
<br />
<br />If Lender determines that all or any part of the Sllms secured by this Security lristrumentaresubjeetto a
<br />lien which has priority (lver t.his Security Instrument, Lender may send Borrower a notice identifyi11g..thatc
<br />lien, Borrower shall promptly secllre an agreement in a form satisfactory to Lendersubordinatingthatlierioo:
<br />this Security Instrument,
<br />
<br />D. TRANSFER OF THE PROPERTY:
<br />
<br />If there is a transfer of the Property as described in the Security Instrument. Lender illay require (llanin-
<br />crease in t.he current Note interest rat.e, or (2) an increase in (or removal of) the limit on the amount of anyone
<br />interest rate change (if there is a limit), or (31 a change in the Base Index figure, or all of these, as a condition of
<br />the Lender's waiving the option to accelerate provided in the Security Instrument.
<br />
<br />By signing below, Borrower accepts and agrees to the terms and covenants contained in this Adjustable
<br />Rate Rider'./J1
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<br />ADJUSTABLE RATE LOAN RIDER
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