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r (C) Increased 11>nthly Payment .1\1- pa~any amomts detennined under Section 4 or 5 after any Change rate coold cause my tnpaid 'Jdldp81 l:a1ance to ellI:eed the limit stated in Sect:IDn 6(B) heleM. If so, 00 the date that my payi~ my llDnthl.y payment loIOuld cause me to exceed that limit, I will instead begin paying a new IJD(\thly pa}'llEnt mtU the next Change Date. The new IJD(\thly pa)llllE!rlt will be in a n aDClInt \lhich 1olOU1d be sufficient to repa"'f my then unpaid princi pal in full on the ma turity date at my current interest rate in subetantially equal pa)'llB1ts. New IIIJllthly pa)'llEnts will be determined in this ~y after eac.'1 Cha."lge rate mtil the next Payment Change rate. (D) Required Full Pa)lllEnt Begl.ming with the first monthly pa~t after the final Cl1ange rate, I will pay the Full Payment as my monthly pa)'llB1t. 6. INCREASES IN THE PRINCIPAL AMOUNT TO BE PAID (A) Additions to My Unpaid Principal My ~~ly ~t cryM be less tr-~ th€ ~t of t1!e: !r~rest por+-i!.m of t..~ ma.1.t.h..ly -~..t that w:>uld be sufficient to repay the unpaid JX'inclpal I ~ at the IJD(\thly pa)'llB1t date in full on the maturity date in stDstantially equal payments. If so, each month that the. alIOUi:1t of my monthly pa)'llBlt is less than the interest IDrtion, the Note Holder will subtract the aJDU1t of mylllXlthly payment iran the anoont of the interest IDrtion and will add the difference to my unpaid principal. The IO:lte Holder will aloo a:ld the interest on the aDDwt of this difference to my mpa:id pdncl.pal each a>nth. T.'le interest rate on the interest added to pr1nclJSl will be the rate requ1J:ed ~ Section 4(C) arove. (B) Limit on My Unpaid Principal My unpaid principal can never E!XC1!ed a maxinun .2lllf';r;'; :-qual to COP. lnndred twenty-five percent (125%) of the principal aDOOIlt I or.,g:ii1ally OOrIU,"'t: 7 . NOTICE OF CHANGE S The Note Holder will deliver or mall to me a notice of any changes in mymmthlypa~before the effective date of any chaoge. Tre noc1ce ",'ill h"'lCbde ir.formation required by law to be gi~me and also the title and telepOOne runber of a person wOO will answer any questions I may.. have r~~ the rotice." B. TRANSFER OF THE PROPERTY OR A BENEFIC IAL INTEREST IN BORROWER UnifoIll1 Covenant 17 of the Security Instruuent is <IIlI!llded to read as fol.lais: Transfer of the Property or a Benef:l.cia1 Interest in Iklrro\oer. If all or any part of. the Property or any interest in it i8 sold or transferred (or if a benef:lclal interest inB6J:J:'l:Mr. is silil crr trarsferrecl and Ikll"I'Olol!l' is not a natural person) witblut Lea:ler- s prior written CClIlSeOt. Lea:ler my, at its option, require imlediate payment in full of all SUllS secured. ~.this Security Instr\m!nt. lbAM!r, this option shall rot be exercised by Lenier if exercise is prohib1ted ~ federal law as of tie date of this Security InstruDent. Lender also shall rot exerd.se this option if: (a) Iklr:ro.er causes to be sub:Jll.tted to Lender inforrmtiOll required ~ Lemer: to eva1.uatlii the inten:led transferee as if a new loan ;;ere being made to transferee; and (b) Lem<< 1'eII8Ol:IIIbly detelll!ines that Lender-s security will rot be impaired ~ the loan ~and that the risk of a breach of any covenant or agreeuent 1,.'1 this Seo.Jrity Instruuent is acceptable to Lender. To the extent pennitted by applicable 1110/, lender may chatge a rea.soaable fee as a COI'lditiQll. to Lender- 8 consent to the loan assunption. Lender llIlY also require the transferee to sign an ass~ agreEllBlt that is acceptable to Lenier and that obligates the transferee to keep all the promises and agreeaents made in the Note and in this Sewrity InstNllent. B6rro\oer will ca.ltiwe to be obligated tnier the Note and this Security InstNllent wiess Lea:ler releases Iklrrower in writi!l8. If Lender exercises tie option to require iDmed1ate pa)'llBlt in full, I.ender shall give Borrower notice of acceleration. The rodce shall provide a period of not less than 30 days fran the date the rotice is delivered or miled within tobich Ikll"I'O\oer ll!.lSt pay all SUIO secured ~ this SEl::ur:l.ty InstruDent. If Ikl~ fails to pay these SUDS prior to the expiration of this period, I.ender may inwlce any remedies petmltted by this Security Inst.nment witlDut further rotice or dE!llllDd on Iklt'IQo1er. ~~)--,- BY SIGNING BELOW, Borrower accepts and agrees to the terms and convenants -~~ contained in this Adjustable Rate Rider. <.) l \ , (,j) :J-ft~ \ \...-,;;-; J ~~ ~l <"-.J L~);1;li;;2 :"'. .'\n',;'...:cson /" I . r ./ vi"'/-c.z.-,;.-"---fOeal) -Borrower <-..J ) ..j c : '" ~.. ~ ,J "'- i.u ";:j C'~ ti _.- -- ".".'. ..~:)-.'.'-_...., -' -...-.- - ' ., _ ,"._ _. __ /.Y.,(.. ~"J~. .- .~\ ~ L La z '\ 1 I 1 U) c> o , \ <Id" 00 f.C/j. ,../ ,:f'-~~') .;fj"-'>-i._-r 'f /..,...! -( .A"r...-;",,~'/ ;t~;' ,";a'!cr~':'Hl (Seal) -Borrower I- o .ct 0: t 'II lJ1 .ct ("") <..0 "-.l ...: ;.: (~; <.0') <":'1 c;:.;, , "~i '-. v~ (Seal) -Borrower j c~) : ~j