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<br />IPrope-ny Addre-55}
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<br />84c-003797
<br />ADDEi'-iDUl\'1 TO ADJ!!STABLE RATJUr.RADUATED PAYMENT RInER
<br />(Fixed Rate COllvt'rs:on Opuon)
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<br />THIS ADDENDUM ro .\DJtISTABU' RATE RIDER OR GRADUATED PAYMENT RlDERis
<br />made Ihis ...3.7:\;,\1.... dav of ..,,JuJ.,y,.............. 19.84 "nd is IllforpOlatedinto and ,haUbe'deemed to amend and
<br />supplement the Adju:st;bte Rate !-bder or GraJu~i.lt'd Paymcrn Rioer" (Ine "'Rider") io-the--l'Yioit&a6-e. Deed:-efTf:I.Jst,-::or--,".
<br />Deed to s.,.,ure Debl (I he "St,cum)' Instrumt'nt"l, ea"h (,f which bears rhe same dale shown above andisgivenbtlhe
<br />undersil"n<d (the ':Borrower") tu ,,,cure llorrower's Adju.stableRat" Note or GraduatedPayment.No\e to...H>..m...;'...;"..;.
<br />..~~.:!-.9r..~, InS- .. . .... ....... ..,...........,........................,....,..,.;.", (lhe~tendet;)
<br />t1fthesamedate (the "Nore") and C'Gv~nng the propert.y (k~l'riocd in the Security InsifUmefit 3fid--toeatc.d-at;
<br />
<br />In addition to the p~ovlslonlO contained in the Rid8l', this Addendum may
<br />pet'mit the Borrower to convert the adjustable rote loon into 0 f1xedrohl,level
<br />payment, fully omortixing loan.
<br />
<br />ADDiTIO,,"Al CO\'Fl'."-STS. li\ -tddltH..\ll to the i.o'll~m)nB and ~~grc('mt:nts. made 10 the Security Instrument and the
<br />Rider. Borrower and Lender rurtlwr cuH:r.am. and .dgree as toHo\\"i
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<br />A. OPTION TO CONVERT TO FIXED RATE: CO~;mTIONS 1'1... dPTI0N
<br />
<br />I EAi..~cPt:lS pnwl(jec Ifl Sntlon t\ 2 h('I~}..v and nULlo., ~hr.aadlHg .:.lnylhmg to the ('outralY in lhe-Nolc or the Rider, I may
<br />~ho()sc h) l.:ufJvt:rT my .H1Justabk r...h: Hlh';csl paptlCHl" h~ ."t~J I~lh' ;n1t~rest p.aYl1lcnts; as of the first day ,of-
<br />(1.,"u'~J.st . Il-,,7 (If ,1> '-"1 !h1!! day {'f !hc ""tHH' ;Honih It( t'd-t:h lH~ the foHowing .....2..__,.... calendar years. Each
<br />Jale ~~ of whu.:.h ! rom o.:h..~~~e I{: (~)H'<,;ft ~ny tHt('r~~! P~~)-JJ!C!ll'" 1:0. ~,j;k~J j] "('on..'erSJon Datc~" The last possible Conversion
<br />Oat. IS I\lJ!;J.\.lSt; 1 . i ,>99
<br />If I ..:htXht 10 make !l-il~ "::-Oillo-er~, ;l ' illU~l. ~l"{. it",; LL:akr nOlh...'~ ih<.il I am dOIng \u at kast 30 da;l$ before the neAt
<br />Ctll:neo.lon Date' tthe . 'Uft:L'll,\t. t ;..;l}'<t'f'.,lVJl. flatc" J J ;d~d fnU\1 )!gll Jf1(j ~l"t to Iht~ Lender ~\ document in any form that
<br />till" L.'Hdcr tI1.J)' it.qun;:, ~ ;:~im.Hnt: ,ht' t,-'w" ~;f the ,'\h!iC ;l.~. hl'1._(~~..uy III -~l\t' dfect 10 the f\)Ii'r'ers;on, Beginning with the
<br />Etf~tt\;-e (.:on\'a~lon lhtt::, d "-<.!t..:h l,-,~llhl-"':h)fi h.l~ lx~t"n lho~" Il. my mlt'lest r~l.te wilj be equai hI the Federal National
<br />Mmtg>!g-e t\~-M~.taH-on-~ punil"h~-u H',,~ut!(:d :--~d YidJ l_H ',;--\-;.,::>.;, h:o.r:J CHc murtg:;.ge:'i \::J\'ered by 6Q..,..Jay !P~nd!!t<rry
<br />dcltvc:ry crnnmHmcn\b (h.at I,\.a~ In ~.ttc-.-:l ,t') ,It tbe ...i3h: 45 ,tays t-.dorc the Etrecti\<e C{)n\'-e~ion 0:'_ ;Ct plus-
<br />3,/S ui di.e f-":h'::llt (.375 ' ; 1_ if "~H.:h 1.~"4UJrl:J Nd Y ldd is f\Oll1'Vadabic. l...e-nueT will determine my
<br />'IC'W. filed t1HCreit rate by thlHg it ..:emraDbk h~-UH'
<br />
<br />~ If the unpalu pnni.:lf'\;11 ft.lt..Ult..C d 1'11\ ki-dn tin lht: 1'ffl"1. ,f'..' ( dn\-'~r";wn Dalt," WIll be grealer !!lan the original principal
<br />afllouJl[ ,If n} ;~IL :ii;.' l-l.:HJc~ lH;~} fCtp..Hlt: {hill ... '-1u..l.idl\'J fc.tl c~t;.Jh: o!f)pf-ai~r. dlo~n by the Lcndert prepare an
<br />app1"'t~U lq)()-n on iht" ";iioc orIhc ~t:1...i.d{"ti ~lh)~k'rt) I ~,tll I'..l\- Ihe Leli~,h:1 ~\ rt'd~ot1abl(' it"t:: fur this apprai~ report, If the
<br />uu;v:J prwufldl bat,HtI.,'1.: l,f !ll\' b.<ill ,'n lht: Ftk,.__tl\e t ~omL<f~h'H fhtt__ \ldll t't' an umouHI j:;.realer Ihan 9~o/" of the value of
<br />Ihe property ~(''Lun:~~ fH) luan, .1\ ot..10lhilN bY l!h; Jppr;u~.1 i"Opt_If!, i ~11i not have the oplton to \':onvt:ft my adjustable
<br />,all; mlt:H:)! payt11<.:nh J~ I Hx'Om .:...."', il,;il ~ 1 .l~)\-t.' iHit..:"" i (',ir the { l'ntitT an .tnlOUnt ~,uffi..:if'Ht to reduce the unpaid
<br />rnnclpa.i halafh':c lU that .!.I:wunt
<br />
<br />8. UKrER;\lI~AnO' OF 'OE\\ P... nlt::-iT nUll.:" r
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<br />If I dllOt~ (0 \.I.)fl't~tt I.'~, 1~,\t:tJ l.!ll" d lIP f..";,{,)~ I'rm Ided tll S'....:thih ;\ "llhh-C, tilt': LCllt1CI' Will theu determine the amount
<br />of a Hnmthi'!i p,a)ment IhJI ~,)uiJ lloi.. 'ulhI.:H:nl i,~ llj :.I, ti'lt uili;..uJ prlHClpal halan,,'c of my loan 1 am e-x~tcd to owe 00 the
<br />Encl.:u,,< Lt..'U\t::'>llJfl Di.lh:' !It luU un lil:.: H\,:i~;nl\ ,1.tIc ':It I\l~ ,'le\\ IntL'rt..'')1 fah: III ~llb::..tantU,tlly ~4iJai pll)'mC:nlS Jne ,nult of
<br />thlit.:~k.'utHH.Hl .....,lH he Ihe He.... .U1loUll! d m)' nwurhi} P~l) ,ll~_nf Hi'll' "'Nt.Yo P:i) men! Amuunt"'l.
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<br />C. PAYMENT 01' ,1::\\ I'..\'~IL' r ""Ot:.'\ I yo.... I l:'-b,T/ON OF HXUl !lATE
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<br />lkgmHl.Dg: \'Hih lH} ~lr~! m~'nihj) P,l}! .t'fll .,(t:.:r Iht.' Uh,;.,{.,\-t: \.. ,,'h\cr'ion Date, i wIH, Ii j i,a....r: ;.'h~n the: fOrsOlt'i&
<br />t..l,Jn"Cl":.H.}-fl. p..i) Jill' ;-"'t.<\\ iJi1)lllcm \mnllht,J.., Hl~ lll,lInnl} p.t)IHt~Ilt. ,nhi the 100cr\:~t fale I ray wdl nut change from the
<br />nACU r~uc." C'3.1abii::thcu a30 '-If the EtlC\.!IH' (, '"'0\-('; ..l\.ill Dillt'
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<br />IJ.PA\"!'>U::s;'J'O~.cO'\HISIO'O I'U:
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<br />For Lhi.kiJoli1g to \.'i.ffi\-c:n n'J .lJJU~L\~lk_;n!e-fl":l-l I,H<: P,t~ll;t'lq:,,< I;' ';'1.:-1.1 uk l'<yillOll\,,,~ plo\-'ltkd ,tbo\'(', 1 w\ii pay the
<br />l..enu~r.t \.-\H\..er'i,;vU fee ~qu.tl 10..1 f'>l:.'"(";CW {-->.. ~i I <II tbat pun pi prll\";ipaJ th<t.i., a.~..A the Eifa.ij..,<=
<br />Ct.\1lh'r!'dOn Ol-i.('< h..a;) not ,-'>Cen ;_\dd plus t' S -S l00.0U (lWt lO 1...,\l.:eed )IOOJ)'J). I \l,.&U pay (he
<br />.;:-t)lht:OU)f\ fee: ..~l 01' ne{I.,Ifc the .;l:1h; ,_'i' un i,< {mi.lnlhl~ i'~1:-11lC!~1 ,Itlt'f lilt: J:JleC!lH.' ClH1\'t.'"1 'Sum Dah~
<br />
<br />E. :'-0'1'1(;'1: R\' 1.l::l'o1JEH
<br />
<br />fkiorc lhe: dale-..-if m~ fi~1 mownl} r'd\ <,'lUll <Jltt':t Iht: Uk" I\\(' ('\.l11\~ 1','1'1; D.~'(', tht t \.'nd\'f Will rmul Of' dC',h~'(,f to me: it
<br />tWlk;C' ufm)' f)(''olr' a\lc:rfil faic ,-\.:\ '11 lHc Lttf:(\i\( C, Inn"Jull U<HI..'. lht' ;llH\',uH: p! nlY r\C\\ ~.hHHhl)' P'aYIlu."Ol, the anwUIll
<br />of the (oo~nk.t.f\ f<<; .tn~ a l.Jj;jl(, j lh:i-l h\l~r thAn 15 J..,!)-~ Jrt'~lll ;~H; d.HC fi'w l,cfll.kt !I.tve, lit\.' tilt: HIHh.'t") by Whl(.~h 1 nnnl sIgn
<br />Ind 'H'e' l-flt. temkr 1~ ~.t<;K\Hllt:nl tnAklHg tbt'" hafl~t'"\;d dh: 'Ok IlJdr -,1ft i"..<.:"'\OHY ill r'hl\tde the ne-w f1_eU mltTc)f J;lte,
<br />n_ nuiu.:C ".'IU mo..:hak ail Wh!Hl14thHI ,;,.-q\HI~J h.\ 1,..\-0-\0 I" r.... p..\.'H dH .'I,,,j ,t;.."n the- iult' lWti tdcphiJllt.:' fiumhc:r 01 it pc-rWll
<br />......nu 'VI'\H "H\.~-C-f .Ut) '4vr~lnm 1 rH.-t~ hJ:\t' It'f'.H,-lm~ tho: J\nh.:f
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<br />~ TO AllJlJSTUU RAWGtADliATfO PAYMENT liOU
<br />'htl ".WI ..~ 1"~ A.tM. :,~YAlIi.;,... ~'~'\~ <1.. "'- i. _~ j ~; ~4 ~
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<br />'!'-'.<;."'f -"':h'~ -...,,lh lDj1,"'t"j~jD-,i ,)pltoo..-iO/ad
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