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I r (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 suffici9nt to repay the unpaid principal I owe at the monthly payment date in full on the maturity date in substantillllyequal payments, Ii so, each month that the Limited Payment is !essthan the interest portion, the Note Holder will subtract the Limited Payment from the amount of the interest portion and will add thedifferencetotllyun- paid principal. The Note Holder will also add interest on the amount of this difference to my Wipaidpririeipal 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; Increllsed Monthly Payments: My unpaid principal can never~exceeda maximum amount equal to one hundred twenty-five percent (l25%) of the principal amount IoriginalJybor- rowed, My unpaid principal could exceed that maximum amount if I pay a Limited Payment. If so, on the date that my paying my Limited Payment would cause me to exceed that limit. I will instead begin paying anew monthly payment until t.he next rate change date,. The new monthly payment will be in an amount wmell would be sufficient to repay my then unpaid principal in full on the maturity date at my current interest rate in substantially equal payments. no) 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 eouid be ti"lHt the loan secured. by the Security Instrument is subject to a law wI-rich sets max:i.mum loan- charges and that law is interpreted so that the interest or other loan charges collected or to be collected in con- nection with the ioan would exceed pemlitted limits, I f this is t.t. ~ase. t.hen: I l} any such loan charge shall be reduced by the amount necessary to redncl) the ,'h~rge 10 the pbmitted limit: and 12} any sums already col- lected from Borrower which exceeded permitted __<lits will be refunded to Borrower, Lender may choose to make trus refund by reducing the principal owed under the Note or by making a direct payment tv Borrower, C, PRIOR LIENS: If Lender determines Ihat all Ill' ltn~' parI of the sums secun..'<.! by this Security Instrument. are subject to a lien which has priority over this Se<'urity Instrument, Lender may send Borrower a notice identifying that Hen, Borrower shall promptly secor<' an agreement in a form satisfactory 10 Lender subordinating that lien to this SecurilY Instrurnent. 0, TRANSFER OF THE PROPERTY: If there is a transfer of the Propert.y ilS tieseribed in the Security fnstnlment. Lender may req1.lrre OJ an in.. crease in the ('u.rrent \iole interest rat€. or ell an increase in lor removal of) the lirnit on the amount of anyone interest rate ('hange !if I here is " limitl, or 1:J1 a ('hange in the Base Index fi!(Ure, or all of these, as a condition of the Lender's waiving- the option to at'et>lerate providlod in the Security Inst.rument.. By ~igning below. Horrowt'r l.tl:cepls and aJ..,rn~~ to the t.errns and covenants {:ontained in this Adjustable Hate Hider. /.. ..:".-"'/.'=.1/. ~,>!/ ~':.c_:"'_.:r:;~.jt;-_ - ,-._~----'(- Patrick A. Tindall j ',< f.(, S~an b. 1'irrlall () = 0 (J) ~~ -C' 0 -{ \:.:: )> ~ - . "- ..... ::::;l ""'~ :i c::::; -~ ;" . l' r- -< C) .." " :;"> \, C) ~, :) if -.j -q z .., '" ~J \~ '""" \.... Ul f .- ;,) 1':\ - ,- )e> ;n (l-" .~"] "'" ;>1; 'J> " v' ............ C~ (f) en :- '" OJ (lj .., Xl ~ o -l ADJUSTABLE RATE LOAN RIDER Borrower Borrower OC)"n ~2. If; <, Q. Ou 08 We, --J ~~ CO _.' ~/ ;(0 p- ,,' t t I :.il q\ f Hltl4 84