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r (81 Additions to My Unpeid Principal: If 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 insubstantially equal payments, If so, eachmontb that the Limited Payment is less than the interest portion, theNilteHolderwill subtract the Limited Payment from the am01.lDt ofthe.interest portion and will add the differenee.t() my un, peid principal. The Note Holder will also add interest on the amount of this difference t() my.1.lDpaldpiitleiPai each month, The interest rate on the interest added to principal will be the rate required by Section A(3)above. (9) Limit on My Unpeid Principal; Increased Monthly Payments: My unpeidprincipalcaD~verexceilt\a maximum amount equal to one hundred twenty-five percent (125%1 oftheprincipalamo1.lDtIoriginallJ::Q<<lr. rowed, My unpaid principal could exceed that maximum amount if! pay a LimitedPaymellt; If~t). on~be.da~ that my paying my Limited Payment would cause me to exceed that limit, I will instead l>egin paying a Ill!w.' monthly payment until the next rate change date, The new monthly payment will bein'anamt:l~i!~:whiCl1 would be sufficient to repay my then unpaid principal in full on the maturity date at my~nt interest rate. in substantially equal payments. (101 Required Full Payment: Beginning with the first monthly payment after the final RateChange:Dste..I will pay the Full Payment as my monthly payment, .. .. <' --_:':/-~',';;, :'/::''-:_':--~:~ ,_n"",._"'-'_' , --':':'-:7:-\:}~-\~:'<'.'_: ""'-<:i{ B. LOAN CHARGES: I t could be that the loan secured bv the Security Instrument is subject to a law which llets.tfJ8xil11uin'I()~ charges and that law is interpreted s~ that the interest or otherloan charges collectedor tobecoll~j~Ci.xt..; nection with the loan would exceed permitted limits, I ~s is the case. then: (1) any suchloancharge,sba.!I.be" reduced by the amount necessary to reduce the chh. "to the permitted limit; and (2) any sumsaIrE!!ldy ct)l, lected from Borrower which exceeded permitted limits will be refunded to Borrower,Lendei-maych()()set'r make this refund by reducing the principal owed under the Note or by making a direct paymel>U'o BQrrower;', '-:::,--':'-"_.' C, PRIOR LIENS: If Lender determines that all or any part of the sums secured by this Security Instrument are stibjeC~toa lien which has priority over this Security Instrument. Lender may send Borrower a notice identifyingcthat lien, Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating:that lieIl'to this Security Instrument. r"" "-"'1 ,~- . ,Q\" };~i:D ,J~_.<~~\n~~ ~:J..L.i.oi....l..i-lt;: .n. .1.JLncU.co Borrower p D, TRANSFER 01" THE PROPERTY: :- If there is a transfer of the Property as described in the Security Instrument, Lender may teqjlirefll anin- creasein the current Note interest rate, or {2! an increase in (or removal of) the limit on the amountcofliny.one interest rate change {if there is a limitl, or (31 a <'hange in the Base lndex figure, orall ofthese. as a conditit)n.of the Lender's waiving the option to accelerate provided in the Security Instrument. :r> to Ul -l ;n :r> (") -l By signing below, Borrower aecepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. /l ,t / .?,. . --~~~ c. .' L .6 BorrowllT !~~IT~ ~';' '.:::' ~ .:~. (to .~ .. : "'" OJ m co c:> 01" .t:::.. 2- ..r;- 0.... '" C:::):Ioo.4;o. .., c... =i ~l it ~~ "'" .,., ':t """ ~ 0 ..01 ", ~ ...... 0..... ..... .. v:> ""'x 0 0 <0 ;~ ~ :;c:rn 0 Q >'" ~ ....::0 W t:: :::: r> :3 m t <1> U1 ~ l ,:> ..::= :>< 2- <.n >- 0 '-'-' ---- N .:. = (I) Q tJ> ADJUSTA$LE RATE LOAN RIOeR H.l&t-4.M