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<br />(8l Additic= to My Un"aid Principal: If I choose to pay the I..imite<IPayment, my monthly paymenteould
<br />be less than the amount of the interest portion of the monthly payment that would 00 "....<ficient 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 illterest 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 />paid principal. The Note Holder will also add interest on the amount of this difference to my unpaid.pr:incipal
<br />each month. The interest rate on the interest added to principal win be the rate required hy SeetionAl3labove.
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<br />(91 Limit on My Unpaid Principal: Increased Monthly Payments: My unpaid principal can never exceed 8
<br />maximum amount equal to one hundred twenty.five percent (125%) of the principal amountI originallybor'
<br />rowed. My unpaid principal could exceed that maximum amount if I pay a Limited Payment..lfso.,DIlthedat&
<br />that my paying my Limited Payment would cause me to exceed that limit. I will insteadbegin.jJli)ing anew
<br />monthly payment until the next rate change date. The new monthly payment will he ill an amountwllicli
<br />would be sufficient to repay my then unpaid principal in full on the maturity date at.my current interestl'lJte
<br />in substantially equal payments.
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<br />(101 Reqaired Full Payment: Beginning with the fil'St monthly payment after the final Rate ClumgeDl.i.te; I
<br />will pay the Full Payment as my monthly payment.
<br />
<br />B. LOAN CHARGES:
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<br />It could be that the loan secured by the Security In;;!', :"t is subject to a law which sets maximum loan
<br />chal'geS and that law is interpret a:! so that ,he .nwrest D. ,..:her loan charges collected or to be coDeeted inccm:
<br />neetion with the loan would e.xceed permitted limits, If this is the ease, then: (ll any such loan cbIIrgf'sballbe
<br />reduced by the amount necessary to ~e;juc€ the charge to the permitted limit: llIld (2) any sums aJready col.
<br />lected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender"'AY choosa1n
<br />make this refund bv reducing the print'ipal owed under the Note or by making a direct payment to Borrower,
<br />
<br />C, PRiOR UF..NS:
<br />
<br />If Lender d<>termines that all or an,,' part of the sums secured by this Security IllstfUiflent are subject toa
<br />lien which has priority "wr this Security Instrument, Lender may send Borrower a notice identifying that
<br />ben, Borrower shall promptlv 'teeure an a~ment in a furm satisfactory to Lender subordinating that lien to
<br />this Security Instrument.
<br />
<br />[), TRASSFER OF THE PROPERTY:
<br />
<br />If 1M.... is s transfer of the Property' as described in the Security Instrument. Lender may require Ul an in-
<br />creaSE'in the curr..nt Note tnt..rest rate, or 121 an increase in tor removal of) the limit on the amount of any one
<br />interest rate change;if there is a limit!, or i31 a cllangt' in the Base Index figure. or all of these, as II condition of
<br />the Lender"s waiving th.. optlon to at'cul."."te provided in the Security Instrument,
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<br />By s~ below Rorrow", Ul'cepts and agrees to the terms and covenants ,.'ontained in this Adjustable
<br />Rate Rid..r.
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<br />AOJUS1:A81.E RATE LOAN RIDeR
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<br />fBtH 4.84
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