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<br />The Note contains provisions allowing for change. in the inte....t rat. ev.ry;ylllOt
<br />subiect to the limit stated in the Nate. Ifthe inter..t rot.increc....ith.8cJrroW'.r'.~.
<br />monthly payment. may be higher. If the intere.t rate decrea..., the'BOrrower's
<br />monthly paym.nts may be lower, The Borrower 01.0 maybe abl.folilaitmtmf'nly
<br />payment increa.e. to 7 112 % each year.
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<br />ADJUSTABLE RATE RIDER
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<br />(Interest Rale Limit and Payment Cap) ~... 1\1\")1"101"1
<br />0,*'- \;IOVt.;;!,
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<br />THIS ADJUSTABLE RATE RIDER i:i made this >l'Z~~..,. Jay of ......,tJ~y,.,...,..;...............,~:.._..'1 f?J7.4~~~:~,
<br />and is incorporated into and shall be deemed to amcnd and supplement the Mortgage, Deed of Trust, orQeed.lo:Se.;.u.t:~'c
<br />Debl (the "Securily Instrument") of the same date given by the undersigned (the "Borrower") to secure.fl!mower:s'
<br />Adjustable Rate Note to ... .,....,S.UpeI;';i,9J:..~ag~....:J;D9.,...........,......,..,.,....................".,..,......,..,...,..,..,:..,.."..,:",.,..,:.-
<br />............................................... ~.....~.(the "Lender") of the same date (the "Note")and..covering.-,tlie~J
<br />property described in the Security Instrument and located at;
<br />
<br />.......,.~,."......,.......,..,....~.'?},~. .\:v,...I:li,Y.~e;,l,~ :::,'~~..~:>.~C!~..,~,...,~.?8.~,~...,
<br />{proP<lrty Address]
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<br />AODITlONAt CO\'ESANTS. In addition to the l..-OVCnants and agreements' made in
<br />Uorr()~cr .;wd Lender fun her covcnanl 3nd agree a:-. follows
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<br />A, INTERJo:ST RATE AND MONTHLY PAYMENT CHANGES
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<br />The N\jk pro\'idc:~ for ;j!\ witIal intcre-..t rate 01 J1....? ','~.. Sel.:, ,/4 of the Note provides for changes'in the interest
<br />raft: and (ht.' monthly p"'Ylnenrs, a~ f\)1l0WS:
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<br />"4, INTEREST RATE AND :\tON'THl,j' p., YMENT CHANGES
<br />(Al Chan~e [}ates
<br />rh~ 1I11I.'h.'~! l.l{C I \"'111 jl;J) ilia):' ,,-'luu!{l,.' (,lllht.'Jjr.\! d.l-~ III ~.t.-, .. ", 19~.~.,.".".,. andOD.thatday
<br />C'\er) 12ih moulh thercafteL Each dat~ on Whh.:h m~ lllh."rc...t f:ll~ I..'ou!d change is called a "Change Date."
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<br />iIJ l The Indn
<br />Bef-lillll!!f: Wllll flll;; I!rs-t l.'haugl' D~I!C, m~ illtl'fl"l I;il('"\\ III he b;.t~cd on an IndcA. The "index" is the weekly average
<br />! !ch.l nil tinned Stat;:~ Tn.'a~~iry ,,-e\.:unll~~ ~hIJH'kd In ,I (i)IJSI,llll nmlurHy of I ]'ear. as made available by the Federal
<br />RC~I\t: Ik"ktTtL The l1lo>1 n.'1..:'Cl1t 1!;Jex figure a;.i.ul.lhk J:t .:.{ (lit date 4S days before each Change Date is caiied the
<br />"CUtrenllnocx."
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<br />il lhl" lode" I' Ill} iong<r ..lh!1bbk. the ~{lit' H~ddcr \'0"111 ..:hUil~C u new incte:\ which is based upon compuable
<br />injonlldtll\ll. The Nf~(C 111,.")iJ.tr ....11I gl\t' me HlHh.'(." \'{ thl" ,.:IHIlL't.'
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<br />tel Calculation tif Changlos
<br />_'I~lfC C~lC:l Ch:i!l~l.: Dille, !ht: ~\.Hc: HohJ.:r will ...t!;:uLtlt: ;H)' new 11l!1:IC!:o( rale by ad-JUtg ,1...9..,,, ,percenta.ge points
<br />j l...9. . () l{llft..' CUHClH Indc~. rhc Note HnIJ,:t ",-ill lhen hlUnd the r...~uJt of this ~ddition to the Ilearest one-eightb
<br />of olle pcr~--:nlag\.' (X.iH1l (O.12)~;;: j. :;'ubJI.;(1 10 Ihc hUl1l -S1i.tlL'\.ll1l S~'(!HlIl ~(11} t"loClow, this fl'luncJed amount will be my new
<br />mh:rol rate: uUlll ihc iJ~M Change Da1C
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<br />The: ~ot;.: i.h)ldcl \qH then dClt:t1Hllh... th~ aIlh.Hmt I){ the monthly puymcnl thaI would be sufficient to repay the
<br />liUpJ.1J pnn~lpal baL}1......' of my loan I am c>,r~\.'l(:d hI u\h' 011 the Challgc Vale in full on the macurit}' dale at my new
<br />lIHt'h'-S.{ f;lk m ~uthtJ.fltlJliy ~.quai Pii) llI.t:Uh, f he t','\u!l of illh \-'akuIa1Ion IS railed the "FuH Payment Amount:' and it
<br />....111 b.: tl:(; il':," amOunt \If Ill) HhHlthl) payment llllh~"..l dIoIO...". l.he amount pcrmlHt:d by &ctlou 4(El below.
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<br />(0) Linnt un Intch':!Jt Rate ('hauH,t:!t
<br />My Inlt'rc~t r~H\.' ~h~tH nc~er tx grcah:l !lL\ll 19
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<br />~I'J IkJut.nli,cr.s Riw,ht tu l.uuitc" i.li)ml.nl Amount
<br />Unlt:s.s s....I.:lh,)I:..... 4-~(J) and 4dl} h<low \l'l!lllUIIX"II1Ut Ill!,' 10 tit) ~l, {may I..'hoo:-.-c io Iimir tht" amount or my new
<br />ilh.lHthl) JMytn~Ht CoaowlI\g.i.1 l'h-auet:' Dalt... Ii) tll( aml1unt I h,1\(". htl.,'l: paymg muluplied by the HumOeI 1.075. T}u~alUount
<br />l'. ~.,lU..:d the ., Lmuit"U Paymc01 AI;l\lunt" If 1 c:hGiUSC the Limited Payment Amount. 1 must give the Note Holder notice
<br />that 10m doing so ~t lellSI15 days before my first nc" fIIunthl}' payment is due.
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<br />IF! Additluns <u :\Iy unpaid PrinCipal llalanee
<br />If I dh..t(.J~ the LlOlHcJ Pa)'nn..nt AnhJUIH, my mou[hly f'dymcni l.:pulJ be l~ than the amouni orthe lOleresl portion
<br />ui' ~t mvnlhly p.aym~nt \\ ~',J-;.:h thc:n \lo'Juld be ~ulfi\.'h:1H [d n:p.i~ ill} unpi.lid IH in~lpai balani.:e lU full on the maturity date at
<br />my t:llfrent inlt:rc.:M Lite m SUb~LJnll.dly -=qu~11 P,\~, lH\:'nls. If' 'j\), c'l.:h nlt/mh that the Llnllted Payment Amount is!ess the..~
<br />the llltcres.t portion, the Note Holder '"ill ~ubUaCl lhe 1.11lHiej Payment Amouut from the amuunt of the interesi portion
<br />and will aud .he t..hficfcncc to my unp.;ud pnn":lpal t-aLJlh:C. lhe NOle lluiJt::r will also add interest on the amount of this
<br />dlnero:n~' to Ill) unp4!J priih.:lpa.l balaH'~ eu;",;h month, fhc Hllt;."r~:M rate on the Intert:sl added t{J prln"ipal wlH be the nile
<br />r~quirN by Sec'IOI14,C} l:ti~'\)\~.
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<br />(G) Limit on Unpaid Principal 8alanee; Incr"...,d Monthly l'ayment Amount
<br />My UllipclKJ l}nn":lpal baJan\:~ \.-(.111 ne\cr C,\'lo:l.'l:J.1 maAIllHlm Jlll\'~lill nju,d to ufl( ill..lndrcd (w<n,y~fivt I"cn:ent (1.15%)
<br />of the prini.:lpalliffiQunt I ongin.aHy tKJrco\\oc:o. My paY1l1g a Lll1l11,.J Pa} lUl:'lli AOl\HHH after un)' Ch~\fl8C Datt \.'().Uld cau,St'
<br />my unpw principal baL1n~c to t"A":C(u thaI fil.tAHHum ,IIHouni- jf >;'0, on the date lhtll Ill) p4ying a Limited Payment
<br />Anh)~1H \.I.ould c-aug n\e \0 e-,;u:'eed tlhH limH. 1 \\'JJI if\~h~.id ~'gtn pit)ing J. th;W mvnthly pa>ltlt'n1 until the Be\l Change
<br />Dal~, The.ncw nmnthl~. paluwHt \\0 Ii; he lll.1n ul1\\.)unt \\ bh,:'h v.ould tx' ~dhnl':HI hJ repay' my then ullp~ud pnndpal bAlance
<br />Hl ruu on the nUllUl'll)' date at m) CUI rem mlerc~t rale In :-.llh....i.ml!4H~' '.tlll<\i P3)llh.'Hh
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<br />WUSIAlU RAn RlDIl-l'lon A.l~I.. 'om.lt-.. 'OnlJFNMA U../.rm Int'.um..'
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