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I f IS) Additions to My UIlIJaid 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 fullon the maturity date in substantially 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 amountoHhe interest portion and will add the difference to my un- paid principal. The Note Holder wilI 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 AI31 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 principalamount lorigimdlybor- 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 a new monthly payment until the next rate change date, The new monthly payment wi1lbein an' amount which would be sufficient to repay my then unpaid principal in full on the maturity date at my current interest rate in substantiiilly equal payments, (iOi Required Full Payment: Beginning with the first monthly payment after the final Rate. ChangeDatei I will pay the Fuil Payment as my monthly payment, B. LOAN CHARGES: I t could be that the loan secured by the Security Instrument is subject to alawwhichsetsmaxitlllll'n!l~ charges and that law is interpreted so that the interest or other loan chargescollectedortoheco~UtSO!l"" nection with the loan would exceed permitted limits. If this is the case, then: (II any suchloanchar~s~\~; reduced by the amount necessary to reduce the charge to the permitted limit; and(2)anYSumslllrea~Yic(d; . lected from Borrower which exceeded permitted limits will he refunded to Borrower, Lenderma:y};li~'~' make this refund by reducing the principal owed under the Note c'by makingadirectpaymenttoB~; >-::'-"c- ';'--,'-'{-",'--r C, PRIOR LIENS: If Lender determines that all or any part of Ule SUlllS secured by this Security Instrument aresubjecttl'f,~C lien which has priority over this Security Instrument, Lender may send Borrower a notice ident.ify,ing,~, lien. Borrower shall promptly secure an agreement in a form satisfactory to Lender subon:linatingthatIlen.:~> this Security Instrument, '"', .,<,.~ D, TRAl'llSFER OF THE PROPERTY: If there is a transfer of the Property as described. in the Security Instrument, Lend.Elr 1M)' requiremllJ)iin. crease in the current Note interest rate. or 121 anincrease in (or reOloval oflthllclimit ontheaOlonnt:oflUl,Yone' interest rate change (if there is a limiU. or i31 a.dulUge in the Balle Index figure, or aliofthese;as a c;onditilltlof c the Lender's waiving the option to accelerate provided in the Security Instrument. By signing below, Borrower accepts and agrees to the terms and covenants containedinthie~\15tll." ,Rate Rider, . ..~~ ~:4~~ ' .~:b"/"if'<) -.-'.:'>J:-:: ~ '!\ 13 l" (') -'\' ~~........... f? o ~f ..... Boro>W8l:Q:t. "" ~rl< g"~ ~g,>Q I. Ii.:: li ~ ill la i . ... ~ I't'I '" it g,' 'QI: -... 0 t V\.-; ~::rh,~ ~.'" ~,-Nl.,' 3 ~.'ie.'. ... ....;,j;: ~ g: ,QZ .....VI~ ~ P' C>> ... co 4 '@ 1i r -0 ::x '" <.rI -fi: t ADJUSTABLE RATE LOAN RIDER tll&I.HM G\ ,\'\ 1(\ I\J