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I I r 84 -005012 It' ~ any ~ts detenrdne:l under SectlOO 4 or 5siter .any' ~ l.DpI:ld. IrlrIl!!t!8li \~.,.,toto....E!llCeed. . ". the. 1:lm1.. t statEd.. ......in... .'Sect....., .:w.n... 6(. B.. )belaw.. .......... ....................If.. .........80.................. my payilll my" nbOt:IiI:y~ 1iiDUlii ClIUIle _ to ~. that limit, I w.U1l.xl11tea4 llIlnthly, tJiymenl: tXltUthe'next ~.llJJte. .1h:.l'.-ttiLy.p!1~wt.+tba?1n'. <.ould besufficie:lt to n!PIY. my then lIl1paidpr1tle1p1lin'futl M'tbe.' ...,......,..... , :I.ntell!strate 1n.S'liJetantlalty"f!<!1.lIl' (B,.mtS.. I_nll!JnthlY~idU't*. after each Olange Date mtU tneneKt P~~Date< .' (D)' Required Full Pa)1IreDt lleg1ming witb the first mnthly pa}1Ilellt after the final. ~Date. Payment as my 1lIllnthly JlIl}'llll!illt. (C) In::reased Jobnthly Pa}'llletlt 6. INCREASES IN THE PRINCIPAL AnlUNT TO BE PAID (A) Additions to My lJnpIWi PriIlcipal . My lIlIInthly payment. coold be less than the aIWI1t oftheintm:est~4f'l:hiIi. that -wi' be suff1c.1ellt to replY theUllpllid jrlodpsl Ioweatthellr;llitbly tbe maturity date in sd:Istant:ially equal payIIII!DtS. If 90, eadl.l!!ll!lth.. l:.,1'!!!t' payment is less than the interest pJl't1on. the N:lte Holder will suIltract' JlIl)llIlIll1t fraIt the .-unt of the interest fOtt1on amwUl add tbedtff~. .... .'. . . The !bte Balder will also aid the interest 00 tbe _t of t:his~ tdqIV each month. The ~ ratE on the interest added to pr:I.mipsl will bet:hi!.t'ata' Section 4(C) almoe. (B) L:lm1t on My lbpa:id Pr1nc1pal My mpaid pr1ncipll em never exceed a llIlJX'1Dam aIWI1t equal to ooelU1dted (1.25%) of the jrlod.jBl iDf:Ult I orig1nally l:lorrc.wd. 7. NOTICE OF CHANGES The !bte Holder w1ll deliver or IIBil to me a notice of 81.'IfI clJanaes :in mylllOlltbly. tJi)'lIIDt,.'1:lefOI:a: the effective date of 81.'IfI chan1!ie. The not:lce wUl ireluie inforII8tion requited by lawtob&gi""'_,' and also the title am tel.e}:h:lne tUDber of a person who will _ any questions I 1IIIlY' ~ rElJlI'd1111 the mtice." B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER tmifoDll <lc:Jwmnt 17 of the SeaJrity Insl:nmant is lIlEDded to reud as fol.lCMl: 1'ranJfer of the Property or a lleoeficlal. Interest in Ib~. If all. or 81.'IfI parr: of the Property or iJIr'f intm:est in it is sold or transferred (or if a '-"'f'i,.i..l interest inlb~is sold or transferttld and Borrower is cot a IlIIttral person) witb:lut l.en:Ier's prior wrlttlln ~, l.eDler lIllY, at its option, require ~ paymnt in full of all 8UlII --m by this~ty ~. ~,this optiat s.~ not be =a-..isC by LaaCar if ~ is prot'ubttfd by federal hw as of the da.tle of this Security T.nstnaent. Lmder also sball. rot. exercise thUopd.on if: (a) ~ C1II85 to be sttmltted to ls1der infoI\lllt1cn requ1nd ~ Lenier to evaluate the. intended transferee as if a new 1.osn were ~ r.ade to transferee; and (b) Leodet' ~ deteD1dnes tl:at l.eBIer's SB:lrlty will rot be iqBi.rat by the 10m ~ anli ttet the r:iak of a breach of 8C(f COII\!IlMt or ~ in this SeaJrity ~ is acceptable to UiD!eJ:. To the E!IlteDt peDlli.tted qy appUc.able laI, Lender llIIlY chaEge a rea&ClIiiIhle fee 88 a cord1tial to l.en:Ier's ClXlI!el1t to the 10m as8UIlptitn. Lenier my also !1IqU1re t:he ttawferee to sip an as8UIption ~ ttet is aa:eptable to lerder and that oblJaates the traosferee to 8p all the: ~ and aare-nu UIlde in the Note and in this Security Instnaent. Borraer will cootime to be ~~ fvtiid .;'air:r tl1a :<b~ cui ul.i.s Secu:t:ity WBtn&lBlC tI1iesa l.en:Ier rei.- IIort'Cllllllr in lCiti.D&. If laIder eIIIllci_ the opt1m to requite ~ plyaBlt in full. I.eoder shall give ~ notice of aa:eleratioo. The rotice shall praonde a period of not lees than 30 days flail the date the notice is del.ivenn or mailed within 10ilich Ib~ !ILlllt psy all SUE seared ~ th1a Secunty Ins~. If Ibrt\lloe1' fails to pay t~ SUIll prior to the expiration of this period, l.en:Ier DBY imIole 8llY ~es peni.tted ~ this Secunty InstrUllellt wittJJut further notice or d-m on IbrmMr. BY S IGNING BELOW. Borro...er accepts and a&ree8 to the terms and convenants contained in this Adjustable Rate Rider, " -' // ~;;;;~~^~( .1 -;,J-~~'0c.. ,.....~ ~:- ,'". .'" . !ZOt7el/D. ~nvlor ( Seal) -Borrower .<':/;'r) , j~~1., ,(/. S~nJrA K. Tnvlor ;'.l:...:;" j:.tf'<j (Seal) -Borrower ( Seal) -Borrower l