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r r i [ r f , i- ~ r t j~ f (8) Additions to My Unpaid 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 fuIl on the maturity date in substantiaIly equal payments, If so, each month that the Limited Payment is less than the interest portion, the Note Holder will subtract the Limited Payment from the amount of the interest portion and will add the difference to my un- 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 required by Section A(3) above, (9) Limit on My Unpaid Principal: Increased Monthly Payments: My unpaid principal can never exceed a maximum amount equal to one hundred twenty-five percent (125%) of the principal amount I originaIly bor- rowed, My unpaid principal could exceed that maximum amount if I pay a Limited Payment, !fso. on the date that my paying my Limited Payment would cause me to exceed that limit, I will instead begin paying a new monthly payment until the next rate change date, The new monthly payment will be iil an amount which would be sufficient to repay my then unpaid principal in full on the maturity date at my current interest rate 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 maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be collected fu,con- nection with the loan would exceed permitted limits, If this is t' 'ase. then: (1) any such loan charge shall be . reduced by the amount necessary to reducli the cl>."".~e to the permitted limit; and (2) any sums alrel\dy'col- lected from Borrower which exceeded permitted fum;;s wiil be refunded to Borrower, Le"der maychoose.to make this refund by reducing the principal owed 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 toa 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 Hen to this Security Instrument, 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 (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 all of these. as a condition-of the Lender's waiving the option to accelerate provided in the Security Instrument, l.I!1tlU.e n. "'N t. ' . .1 / t, n ~ "^' W,J,nJ.:lU h UJJ"-"",,, ----Cal:nen K. Glines By signing below, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider, Borrower Borrower <),(P 0-1 c:> ;Z-i -1m -<0 <:> -.. .....z ::t:m >03 r- :::0 r-> en "" ~~ Ch 0> -:z5?~ I. ,0: C) m "3 .~ ::J f,)'~-"''''''' Q ll[ f"rL- rM1f 0 rn '" 0 I <..) 0) II> U1 ... <..) 0 0 " c: ! :z p ADJUSTABLE RATE LOAN RIDER ,B&l4.&4