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<br />(8~ Additions to My Unpaid Principal: If I choose to pay the Limited Payment, my monthly payment could
<br />be less than the amount of the interest portion of the monthly payment that would be sufficient to repay the ,
<br />unpaid principal I owe at the monthly payment date in full on the maturity date in substlintiallyeq1:illl
<br />payments, If so, each month that the Limited Payment is less than the interest pottion;theNoteHoldllr,wi1l5
<br />subtract the Limited Payment from the amount of the interest portion and:",ilJ addthe'diffe.\'encet;omY'1)ll'
<br />paid principal. The Note Holder will also add interest on the amount of thisdifferencetomyunpald:p~~I>I1l'~ ,
<br />each month, The interest rate on the interest added to principalwillbetheraterequired bySectionA(3IabOVl!"'c'
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<br />(9) Limit on My Unpaid Principal: Increased MonthIyPayments:My unpaidprineipalcllnneVllr'lpt~'li.
<br />maximum amount equal to one hundred twenty'five percent (125%) of the'IlrincipahmountI" "
<br />rowed. My unpaid principal could exceed that maximum amount in pay a I..imitedPayn1enklf
<br />that my paying my Limited Payment would cause me to exceed that limit, lwminsteadbeginpayillg;'it~ii\\'~',
<br />monthly payment until the next rate change date. The new monthly payment will bein,anamount",~114y '"
<br />would be sufficient to repay my then unpaid principal in full on the maturity date atmy current interest;,r!lte ,
<br />in substantially equal payments,
<br />
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<br />110) Required Full Payment: Beginning with the first monthly payment after the final Rate Cllang/1iDiltei'F
<br />will pay the Full Payment as my monthly payment,
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<br />B, LOAN CHARGES:
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<br />It could be that the loan secured by the Security Instrument is 5". ject to a law whiehsetsmaxin1JlInl~n,
<br />charges a~d that law is interpreted so that the intert:l:st or othat' aT., ,11arges eollected or ttrbe-colle.e~-"~;~;
<br />nection with the loan would exceed permitted limits, if this i~ w" case, then: (1) any sucltJoancbarg!l,lIhallbe'
<br />reduced by the amount necessary to reduce the charge to the permitted limit; and (2) anysumaail'eadycok
<br />lected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender maycnOOl!8'to'
<br />make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower,
<br />
<br />C. PRIOR LIENS:
<br />
<br />If Lender determines that all or any part of the sums secured by this Set:urity Instrument arB subject toll
<br />lien which has priority over this Security Instrument, Lende,r may send Borrower a notice identifying that
<br />lien, Borrower shaH promptly secure an agreement in a fonn satisfactory to Lender subordinating that lien to
<br />this Security Instrument.
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<br />D. TRANSFER Of' THE PROPERTY:
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<br />If there is a transfer of the Property as described in the Security I nstrument, Lender may require tl} an in-
<br />crease in the current Note interest rate, or 121 an increase in tor removal on the limit on the amount of anyone
<br />interEst ratE chang-e lif there is a HIrli",. or ,3, a changi" in the Basi:' lndcA fig-ure. or aU of these. .as a condition of
<br />the Lender's waiving the option to ac,'eh,rate provided in th" Security Instrument,
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<br />l:ly signing below, Bormwer <len'pls and agr"'" to th.. [,.rms and COVell/lUtS containoo. in this Adjustahle
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<br />ADJUSTABLE RATE LOAN RIDER
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