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r i (C) Iocreased M:>nthly Payment: ~ paying any aunnts detennined urv:ler Section 4 or 5 after any Change rute could cause my tIlpaid Jrlncipal.~e to exceed the limit stated in Section 6(B) bela.!. If SO, on the date that my paying my m:>nthly pilyment would cause me to eKceed that limit, I will instead begin payiIlganew DDOthly payment until the next Change rute. 'll'e new tmnthly pa)U1E!I1t will be in a n aDOtnt '1oiliCh IlOUld be sufficient to ~ my then Ullpaid principal in ftiU on tre maturity date a!" my current interest rate in suIlstantially equal p!lyments. New tmnthly p!l)'llEnt:s will be dete1llllned in this 'ley after each Change rute mill the neKt Payment Change Date. (D) Required Full Pa}'llEl1t Beginning with the first monthly pa}!llE!Ot after the final Change rute, I will pay the full Payment as my nxnthly payment. 6. INCREASES IN THE PRINCIPAL AMOUNT TO BE PAID (A) Addi dons to My Unpa:Id Principal ~ tmOthly paynent coold be less than the alIQl1lt of the interest portion of thellUll:l1lY ~ ' that llOUld be sufficient to repay the unpaid Irlndpal I aoe at the JDJnthly pa)im\l!!1t, dateucftiUotv the maturity date L, sdlstantiallyequal payments. If so, each 100Ilth that the8lllOUlltofmymontbly pa}'llEl1t is less than the interest >nrtion, the !bte Holder will subtract the ammtoflllVlID'IthlY payment iran the aocult of the interest lX>rtion an!. will add the difference to my uOpa:ld~~ 'll'e lbte Holder will also aid the interest 00 the allDUlt of this difference to my ,1.XIpi!id~: each routh. The interest tate on the interest added to prin.::ipal will be therate~;1t Section 4( C) above. (B) Limit on My Unp!l1d Principal My wpaid principal can never exceed a max!lIun amamt equal to one hmdred oent:y"'"five pE!rCl!llt (125%) of the principal aznmt I originally borrcloed. 7. NOTICE OF CHANGES The !bte Holder will deliver or mail to me a notice ~ any changes in my nxnthly pl)1llIl!Ilt before the effective date of any change. 'll'e notice ..:ill i-,' '1~" J.llfOllllltial, ,<lqUired by ]awto be giWn1E an!. also the title anl. telephone rUIlber of " "'" ',-", who will _r any questials I 1118Y have regardi~ the rotke." B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER UnifODII 0Jvenant 17 of the 5eaIrity InstIUlleIlt is auended to real as foll<Jis: Trarefer of the Property or a Benef:lcla1 Interest in Bo=-r. If all or any part of the Property or any interest in it is sold or transferred (or if a beoef:1clal interest in' Bon1:liIer is sold or transferred an!. Bo:croo.er is not a natural person) without ImJler's pdor written COllMIIt, Len:ler 1l6Y, at its option, requtre hm!ed!ate payment in f>..!1.l of all SI.!!!S eecu..red ~ t!>is Security L'lSttu!l!nt. ~..r, this option sllal.! not be =."Ci8Ed by Lea:l:el:' if e:llU"'-ille is proh1hI.ted by federal law as of the date of this Security 1nstnment. Lerder also shall rot elllI!ECisa this option if: (a) llorrower causes to be subul.tted to Lender fnfDt1lBtial required by IsxIer to evaluate the intended transferee as if a new loan were beiJ:lg llIIde to tt:ansferee; lIl1d (b) Lender ~ detelllll.res tlBt Unier's security will rot be impW:ed by the loan 8IlS\Iq)t.i00 lIl1d tlat the risk. of a breach of any couenant or agreElllent in this Security Instnaent is acceptable to Letder. To the extent pemittEd by applicable 1<10/, lalder my charge a I'elilBIXV1ble fee as a cooditial to Lenler's consent to the loan assullption. Lender my also require the t:rallSferee to sf&n an ass~ agl'e8lE!1t that is acceptable to Lender am that obligates the transferee to Iizlep all the prnmises an!. agrements !Hie in the Note an!. in this SeaJrity InstrlJJlent. Borrower will cont1lue to be obligated lDier the N:>te aOO this Security ~ wJ.ess lender releases Bo~ in wri~. If Lender E!lllIII'cises the option to require iIIIIlediate pi)llllellt in full, Lerder shall give ilon'owIlr notice of accel.eratioo. The notice slall provide a period of not less than 30 days fran the date the rotice is delivered or miled within Iotlich Ibrrower lIlISt pay all SUllS secu:ed by this Security InstrlJJlent. If Borrower fails to pay these SUIIS prior to the expiration of this period, l.eDfler may i.n\IOlce any raEdies peIllli.ttEd by this Security Instrule:lt without further rotice or dellBlll on Borrower. BY SIGl'llNG BELOW, Borrower accepts and agrees to the terms and convenants contained in this Adjustable Rate Rider. u C It I- en CD C ..: ci 0 -- .:r U> (V) ~ Z M \ ~~ - ~ M I '.~ ~ <.I) I (V) QJ i w E Ln '... .:-; " a c.::. a.. -''''" , ~ 0 ..." """::' 0 < :~ tL. C C '" ~ 4...... Cot ..-: -,,- c> ... .::; 0 ~ ...- III .- >-- co ~ w :-> , L ....... = ' """.- <II '.1; 0'~ "- <II V t- o i: co w ~ . ...J " ~ .:.'",:; ;;;1 ,;. :.. ~::~ ~'(Seal) -Horrower ""'_. - _.~ , _e .. "_.,ll ,l \ <:;" ;11L<"j.:\.,,,,,,'j (Seal) -Bo rrower <:- (Seal) -Borrower