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<br />005975
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<br />and will add lhe difference to my unpaid principal. The Note Holder will aiso add interest on .he a.r",U,.. of .hi.
<br />dHf~r~nce to my unpaid principal each- mOodl_ The interest r:ue on th~ interest 3d~...ed to principal will he the. rate
<br />required by Section 4{ C) above,
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<br />(H) Umilon My Unpaid Prinelpal; Inereas1!d Monthly Payment
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<br />My- unp:aid principal <:an never exceed ;lc' m-~.";mtlm am(iunr equal .to om: hundred twenty-five percent ( 125%)
<br />of the principal amount I originally oorrowed, My lmpaid- principal could exceed lhat maximumamountjf Ip:!y a
<br />Limited, Payment, If so, - on ,the date lbaf my 'paying ftl, Limii:€d Payment ~Yc!.!!d ;C3!!Se me' to ~;x~ed:_lhat --li-mj~:--.t'-~ilf
<br />instead begin paying a new monthly payment until the next Change Dale, The new monthly paymenlwillbe in an
<br />amount which would be sufflcienl to repay my then unpaid principal in full on the maturity date atmyeurreminte'rtst
<br />rate in substantially equal payments,
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<br />( I) Required Full Payment
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<br />Beginning with the first monthly payment after the nnal Change Date, I will pay the Full_Paymem as my
<br />monthiy payment,
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<br />B. TRANSFER OF THE PROPERTY OR A BENEFICiAL iNTEREST IN BORROWER
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<br />Uniforl'lt Covenant 17 of Ihe Security Inslrument " amended to read as follows:
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<br />Transfer of the Property or a Beneficial Interest in Borrower, If all or any part of the Property or any interest -
<br />In it is sold -or transferred (or if a heneficial interest 1n Borrower i-~ S<.' ,"; transferred and,Borro-'A---:er:is'-n-ot.,a_fo.ittura'i:
<br />person) wlthout- Lender's prior wrinen consent, tendef may. ;';; ";,'WJn. r-quirc iltjii,~diate_-paYrrienftn fUILof-:alt
<br />sums secured by this SecurilY Insl!".!men\. H,>,'.,,,':[, 11m 'j,. .n shall not be exercised by Lender' if exercise is
<br />prohihited by federal law- as elf the date of this Security _fn~trumenL Lender also' shall not exerdse;-thls-opliqn--if:':..fir)
<br />Borrower causes to be submitted 10 Lender information required by Lender loevaluate the inlendedtr:msf~ree'llifa
<br />new loan were being made to lhe, trao.sferee: and (b) Lender reason.ibly determines that Lender's securilywlllnolhe
<br />impaired by the loan assumptIon and that the risk of a breach of any covenant or agreement .in -this -Sec.urit')'
<br />Instrument IS acceptable 10 Lender,
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<br />To the Cl<tenl permitted hy applicable law, Lender may charge a reasonable fee asa conditionlQ Lender's
<br />consent to the loan assumption. Lender may ah.o require the transferee to s.ign an assumption '.agreement"thac:S"
<br />acceplable to Lender and that obligates the Iransferee to keep all the promises and agreements made intheNoreand,
<br />in this Security Instrument. Borrower will eontonue 10 he obligaled under the Note and this Security lnstrument;unless
<br />Lender releases Borrower in writtng,
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<br />If Lender e~ercises Ihe option to require Immediate payment in full. Lender shall give Borrower notice of
<br />accelerallon, The nOllce shall provide a pettod of not less lhan 30 days from Ihe date Ihe notice is delivcredor mailed
<br />within which Borrower must pay all sums secured by Ihis Security Instrument. If' Borrower fails to p:ty Ihese sums
<br />prior to the eKplratlon "f this period, Lender may invoke any remedies permitted by this Security Instrument without
<br />further nodce o-r demand .on Borrower,
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<br />BY SIGNING BELOW, Borrower accepts ;lnci agree, to lhe terms and covenants contained in this Adjustable
<br />Rate Rider --.. ," \ /) ,.J
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<br />,~':-:L trL/ .."'-' "... ..~~ou,(Seal)
<br />, John t.J. Schroeder ,OQflOwe'
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<br />t,._......-"/ i (~~lL.C~f... . {(_ :nd.~..!L.-:!..~n~-:!.~in.( Seal)
<br />Carol A. Schroeder ,(lOlrower
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