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I (81, Additions to My Unpaid Principal: If I choose to pay the Limited Payment,my m.()nthlyp~ynleriteould he less than the amount of the interest portion of the monthly payment that would he l1Ilfficient'to repay the unpaid principal I owe at the monthly paym.ent date in full Oil thematutity dawm sublltantiallyeqj1aI payments, Ifse,each month that the Limited Payment is less thantheinOO1'estportion.thel\low Holder will subtract the Limited Payment from the amount of the interestportionandwilladdthediffe~~ce0mr!1~' paid principal, The Note Holder will aioo add interest on the amount of this difference tomy unpaidPlimnIJal' each month. The interest rate on the interest added to principal will be the rate required bYSeeti()nA(S)aJ)iiV~; . (91 Limit on My Unpaid Principal; IncreasedMonth1yPayments:MyunpaidptincipalCaIl'Dever~~a" ma:.>tirnum amount equal to one hundred twenty.fivepercent (125%1 oftbeptincipalamountI~y:'~!"c rowed, My unpaid principal could exceed that maximum amountiH pay.a LimitedPayment.Ifso,on't~ii#te: that my paying my Limited Payment would cause mil to exceed that limit, I willinstea:dbeginpayD:lg;a,ne.W'c monthly payment until the next rate change date. The new monthly payment willbeman'8ll1QUDtJvl\iclj' would he sufficient to repay my then unpaid principai in fullon the matutitydate at mycurrent,intereStrate', in substantially equal payments, r (101 Required Full Payment: Beginning with the first monthly payment after the final Rate Change DateiI will pay the Full Payment as my monthly payment. B, LOAN CHARGES: [t could he that the loan secured by the Security Instrument is subject to a law whichsetsmaximunl'Joan' charges.and that law is interpreted so that the interest or other loan charges coll~..ed-or-to be'CG~WEl:ili~:_c~_w~'--. nection with the loan would exceedpernritted limits, If this is the case. then: (1) any such loan chargesAA1lba. reduced by tbe amount necessary to reduce the charge to the permitted limit; and 12) any sums ~Y;'col- lected from Borrower which exc~ed permitted limits will be reft;cded to Borrower, Lendermaychooaeto' make this refund by reducing the principal owed "",jAr the Note (L >>y 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 shaUpromptly secure an agreement in a form satisfactory to Lender subordinating tliat lien to this Security Instrument. D. TRANSFER OF THE PROPERTY: If there is a traosfer of the Property as desc.ribed in the Security Instrument. Lender may require (1) an in. crease in the current Note int.erest rate. or (2) an increase in lor removal of) the limit on the amount of any one inter.>st rate change (if there is a limit), or (3) a change in the Base Index figure, or all of these.asa condition of tbe Lender's waiving the option to act'elerate provided in the Security Instrument, By si~Jnmg below. Borrower aCt'epts and agrees to lh1 terms and covenants contsined in this Adjustable Rate Rider ' , # (~~ . X_~I ~.~--~-~~eg~~m;; '.I} I /*, (, / .l'-~~a~hg- .;;.:L-d:, - - ..--~.~,' .----.,.. . ,/ Borrowllr .. ~~ co .:: Jg p ~ ~ ...... c> .." n~ ~ 0 r x:- l" q, - l3) ,." t <::> c; ~ <n ...... ?;l ...... ~ L AO.JVSTA8l,E RATE LOAN RIDER 00 J::> ~ ~[~ 1 \ -<0-)-1.., ' o ....~~~, '(j \; "11 z!~; t CO""'- ". :%1'T1'~I' c ;3 ~~i , l i-". ,J:: ~ 0 ......::. N (I) ..... (J) :~' 'lC 5: t~, f.tlttl4.M "-. (\ R