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(E) UiTPAID TniTEREST ADDH7! TO PRINCIPAL. Because the Limited Payment Amount I cPioase could be less than the: amount of: the interest gartioa-af the Fu11 Payment Amount I would have paid after a Payment Chang;e Date and/or because the interest rate on this Nate may increase before the pay~rnts change, my monthly payments may not always be enough to pay the interest: which is being charged on the prineipa _balance. if so, Lhe Note'Holder will, on each Change Date,. subtract the a=mount of my monthly payment from: the ambuat o£ interest charged for the first month after that Change Date, sad will add'the difference to the outstaa<t.ng principal balance of my loan each month until the nest Change -ate. The idote $aider wial also add interest on-the amount of this. difference to my outstanding principal balance each month. ITatii the next Change. Date whew the DTote Holder detesmi.nes my new rate of interest on my then outsttanding principal balance, the rate of interest oa the interest added to principal will be the rate determined in Section 4 (C) above.. (F) Limit qn Outstanding Principal Balance - Special Payment Changes The outstanding principal balance can sever exceed a maximum amount reiual to one iiundsed sweaty-five percen'~ (125°/.) of the principal amount 1 originally barrawed. If my chaise to pa} Limited Payment Amount after any Paymeac Change Date would cause the outstanding principal balance to exceed that maximum amount before the next Change Date., I mast pay the Full Payment Amount unless the Pete Holder agrees isi writing to a different maathly payment amount. if-nag is*~rest rate change wades Section 4 (C) on any other Change Date would cause the-- outstanding principal balance to exceed that maximum amount before the next. Change Data, then the monthly payment amount will be changed. The Na a Holder will. detereoiae a new monthly payment amount sufficient to repay the outstanding principal balance in full on the mausrity date at my new race of interest. A notice' wader Section 4(3j will be sent before the effective date of the change-. (G} Required Pull Payment Amount Begnaiag on *'ny , =,'~'~ , and on each Payment Change Date every 5th year thereafter, 1 will pay the Full Payment Amount until the next Payment Change Date. F will also pay the Full Payment Amount for the period between the cast Payoeat Change Date and the maturity date. (R) Effective Date of Changes The new rate of interest will become effective on each Change Date. {1n Payaueat Clsange Dates, 1 cri11 pay the new amount of my monthly payment sash moans.. beginning tPse first mxanthly paymment date after the Change Date until the ama-sat of my monthly payseat is again changed. or 1 have fully repaid ttre lase. (l} N+acice of Changes _.~ ~ _® 'snider will mail, ar 1ieiivrr to me a notice of nay chaa;;es a tb~ asnua' of 3sy'gmonthly payment before :.ice _f#eetive date of nay change. 'The na+~t~< will include inftrraatian required by iav to be given me and also the title and 'telcpharze m~rber of a person who will answer nay question l may have regarding the notice. $: ~D .RATE RID£Ft: Im a.iditian, a preferred rate rider was executed is ronnectiaa with such Nate wiserein Sorr}wer and Trader agree to the following additional provisionsc "le:ginning tra'thc date of the Note, until thefirst'Change Date,. the Note ?ieider agrees to ~3eeseas~! the Initial Rate. of lnterest stated is Section 2 to ,~ a,L Z ~Initiai Dreferred Ratt). The initial mmonthly payments:provided is Section 3 E9) of the Nate shall be cedueed to $ The Note Holder atoll decrease the :sew interest. rate camputeci under Sectic~C} on subsequent Chsnse -ates by an aawuat e~~~l to the smallest amount by khieh.ttte Laitial Rate of ;atcrest or any new rate of interest far that or anypreviaus Change Date, cowputed without regard to this rider, exceeded such Initial Preferred Rate. On ang Change Date an which for new rate of interest csnerputed iader.Secton-4 (C) vithasst rc>jard to this rider is ~r~yual to or less than the Initial Preferred Rate, the provisions of this rider shall terminate. iiotitever, the idote Holder may also at its option, waive all ~r any part ~f any increase or furt3xer decrease the rate at auy tine he}~ond the terms rsf chic rider. if :t does so, the iaterest_rate on the next Change Gate sill be se.t as if such ~ptioci had not been e?[ercised."