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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 ir.terest 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 substantially equal
<br />payments, If so, each month that the Limited Payment is less than the interest portion. the Note Holder will
<br />subtract the Limited Payment from the amount of the interest portion and will add the difference to my un-
<br />,,::m p:'i::dpa!, Th!! Not!! Ho!d!'r will ~l"o add interest on the amount of this difference to my unpaid principal
<br />each month. The interest rate on the interest added to principal will be the rate required by Section A(al above,
<br />
<br />(9) Limit on My Unpaid Principal; Increased Monthly Payments: My unpaid principal can never exceed a
<br />maximum amount equal to one hundred twenty-five percent (125%) of the principal amount I originally bor-
<br />rowed. My unpaid principal could exceed that maximum amount if I pay a Limited Payment. If sO,on tbedate
<br />that my paying my Limited Payment would cause me to exceed that limit, I will instead begin paying a new
<br />monthly payment until the next rate change date. The new monthly payment will be in an amount which.
<br />would be sufficient to repay my then unpaid principal in full on the maturity date at my current interest-rate
<br />in substantially equal payments,
<br />
<br />(lO) Required Full Payment: Beginning with the first monthly payment after the final Rate Change Date. I
<br />will pay the Full Payment as my monthly payment.
<br />
<br />B, LOAN CHARGF..8:
<br />
<br />It could be that the loan secured by the "'~vity Inet' ....cJnt is subject to a law which sets maximum loan
<br />charges and that law is interpreted so that the interest or other loan charges collected or to be coJlectetlinCOIt'
<br />nection With tile loan wouid exceeci permitted iimils. IE this i~ the case. trA€n: (1J any 3Ueh l~n_chm'ge ~hJln]}e
<br />reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums alnlady eo1-
<br />[ectad from Borrower which exceeded permitted limits will be refunded to Borrower, Lender may cliooseto
<br />make this refund hy reducing the principal owed under the Note or by making a direct payment to Borrower;
<br />
<br />C, PRIOR LIENS,
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<br />If Lender determines t hat all or un)' part of the sums secured by this Security Instrument are subject toa
<br />Hen which has priority ov"r this &'Curity I nstrument, Lender may send Borrower a notice identifying that
<br />!;,om, Borrower shail pn'mptly Sl'('ure an al':"eenwnt in a form satisfactory to Lender subordinating that lien to
<br />this Security Instrument.
<br />
<br />0, TRANSFER OF THE PROPERTY,
<br />
<br />If there is a transfer of the Property us des<:ribed in the Security Instrument.l.ender may require (II an in-
<br />crease In the current Not.e interest rate. or t2l an increase in (or removal of) the limit on the amount of any one
<br />iuten-st rate changP tif there is a limitl, or tal a chan"" in the Base Index figure, or all of these, as a condition of
<br />the Lender's wa.ving the option to acct'lerate pmvided in the Security Instrument.
<br />
<br />By signing helow, Horrower aC<~t'pts and UI'(Tl't'S to th{' t{'rms and covenants contained in this Adjustable
<br />Rate Rider,
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<br />ADJUSTABLE RATE lOAN RIDER
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