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<br />82A:tJ~314±
<br />''>1Wtl Sonth 72n.i ^treet, t~ra'~a, "ev+rz;'r.r: ?i"'=:
<br />1 will make. my monthly payments-ax . , ......... .......... . ...................... ..:............. ,
<br />or at a diPfernat place if iequired by the Note H>Ider.
<br />(B) AnKwnt of Monthly Paytneats 5d 3 p9
<br />aty nxmthly ~aytncnt wilt be in the amoprttof U.5: $ .: . ......:............. The Noes Holder wiltchange my
<br />mcmthly payment as require l+v Section 4(Cl below on the 6th Interest Change Date'and on that. day every 36th month
<br />thereafter. F_uh of thex dates is called a "Payment Change Date.."The Note Holder will also change my monthly payment
<br />on any Intecc-st Change Date if Section S(9) betow requires me to pay the. Full Mohthlw Amount.
<br />{C) Cakvhttion of Monthly Payment Changes
<br />Bc fore each Payment Change Date, the ote'Holder will calculate a newmonthly payment sufficient to repay. the unpaid
<br />,principal halance on my loan in full oh the maturity date at the Payment Rate in substantially equal payments: The "Payment
<br />Rate" i< the sum of `ttie-Index figures on the Bye Interest: Change Dates'preceedieg a Payment Change
<br />Date plu; the Current Index, dividedby the number 6, plus kl<309..... percentage points { 11.349:.. 9c), trounded to
<br />the hearesr one-eighth ofune percentage "paint(0.1259a).
<br />1 Witt pay the amount of my new monthly payment until the nezx Payment Change: Date unless Sections{B) below
<br />.:requires me to pay the Ful! Monthly Amount.
<br />IDi ERective Date of PaytoeaEChanges
<br />until my monthly payment is again changed: 1 will pay. theamount of my new monthly. payrnenteach month beginning
<br />on the first monthly payment date after the: Payment Change Date, of Interest Change Date`if l am required to pay [he-Full
<br />Monthh• ,ir?munt.
<br />5. C~NPAID PRlNC1P.4L BALANCE
<br />(A) Changes in My Unpaid Principal Balance
<br />!sly mauthh- nu}ment uoald be ess tliart he amountof the interest portion of the. first FulYMonthly Amount I'owe or
<br />Iess than the interest portion of my firsrFull Monthly Amoum after an InterestChange,Date. If so, the Note Holder will
<br />subtract the atncuntot my monthlypaymenrfmm die amount of interest I owe and will add the difference o my unpaid
<br />principal balance each month until the nextln[erest Change Date. The Note Holder will also add interest on the amountof
<br />this aifterence to my`unpaid principal balance zach tnon[h. Clntil the next lnteres[ Change Date: when the_Note Holder
<br />dettt~nes my new rate of'interest on my then unpaidprincipalrtialance, the rate of interes['on the interest added to principal
<br />will 5e Ute rate determined in Section ?above.
<br />bly monthly paytnenx could be mom titan the amount of the FuR Monthly Amount: if so, the No[e Holder will subtract
<br />the difference from the unpaid principal balance of my loan each month until. [he next nterest Change .Date as if'T had. made
<br />a paella] prepayment under'Secuom i below: "
<br />YAl Limit ae Unpaid Ptin©pal Balsece, Required Fall Monthly Amount
<br />bh unpaid principal balance can pevcr'exceed a maximum amount equal to one hundred twenty-Bye percent (125vfo) of
<br />the principal anwum 1 originally bgtmwed. If my paying the. amouneof my monthly payment afterany InteresrChange Date
<br />would cause the unpaidprincipal balance to eaeecd that rnaxtmum'amount arany zitne, I must pay-insteadahe Pull Monthly
<br />Amount a, my monthly payttrentuntil the next Pavmcm Change Dare.
<br />(i. tiOT[CE l)F CHANGES .
<br />The Notc Holder will matt or de3iver ro me a nohceuf any changes an the Full iMonth]yt~mount and'my monthly
<br />payment before the cffeeeive dale of any change: The notice will include sr~:yrmation;required by .law to be given me and
<br />also the titlt and telephone'number of a person who will answer any question i may have regarding the notice:"
<br />B. CHARGES: 1.LEP1S
<br />Uniterm Covenant a of the Security lnsuumem is amended to read as follows.
<br />4. Charges; Liens. Borrower shad] pay all taxes, assessmems, and axher charges, fines and impositions attributable to the
<br />1'ropcm• which may anais:a priority over thrs`Securtty Instrurrx-ni, atxi leax'hold payments or ground rents. if any, m:ihe
<br />manner provided under paragraph ?:hereof oG if not paid in such manner, by Borrower making payment, when due, directly
<br />to the payee [hereof. Bomower shrllpmmptly furnish to Lehik.r aiJ notices ,fit amounts due under this paragraph, and in. the
<br />event Borrower shall make paynxntdieectly.Bortower shall prumptly furnish to Lender receipts evidencing such payments:
<br />Borrower shall pnmptly discharge any Gen which has priopty over this Security lnstrumrnt; prodded, that Borrower shall.
<br />not be required [o discharge any such Lien so long as BoxraweG (alahali. agree in wn[ing to the payment of the obligation
<br />secured by such lien in a manner acceptable to Lender,,(bj shalLingood faith contest such lien hy, or defend against
<br />enforcement of such lien. in. ]real proceedings whteltrn ttie opinion of Lender:opetate to prevent the enforcement of the
<br />lien or t~~rfeitute of the Ropt;ny or any part thereof; or {c).:sha31 secure from the holder ofsuch Tien an agrument m afartn.
<br />saUSfactorv to Lender subcirdinating such lien to this Secun[y Insuument.
<br />if !.ender determines that all oc ary tan of the Property s subject to a liep which may. attain a priexuy over this Security
<br />Lnstrutnent. Lender shall ;tnd Borrower notice identifying such litre. Borrowershallsa[isfy such lien or take one or more;.
<br />of the actions tit forth above within [e^ days of the awing of rwiice.
<br />C. NOTICE
<br />Urdfotm Covenant lu of ehe Sncu;iey Instrument a amended tc> :cad as lollows:
<br />t3. Notice. Except for any notice r~uired under applicable law to bz given in another marmot. (a)_any notice to Bostower
<br />pros'idudfor in this Security Irvstrument shall be ysenbY. dehvnring it of b}• n:ailing,i[by first etasx retail addressedto
<br />Btrrcwer at the Propc:rt}~ Address or a[ such other address asBorrovrermayd~s;gnac by rvv(:..c w l ender asprc:vidcd herein,
<br />' arul (bi any noucetc fender shall be given b} first s1:us'mailw-Lender's adtlres ~aled heron or to suchoihar addresses
<br />Lender may- designate by nourc to Borrower as prcv:dnd herein. Any notice pro .toed to it this Secu~[y Instrument shall.
<br />~ tletrned to hrs^ be.:n given to Borrow:r or I,cndcr ~.vhen gtven Cmthe manner dcsignatei! herein,..
<br />D. GNIFOR:~1 M1IOitTGAGE; sOYERNING 1.AwF; 5EVERABILTTY
<br />t;rifor.*_i C,wchate; I4 of ~h~ Se_'uri=.y- lnstruttx:nt is anter.ded iu rcad~as f"ttlluws:
<br />15. Goifuran ~furtAatte; Gosenting law; ti.rvrrstb4lity. Thi. (um: of Secnn:^, Lxstnrniettt cottibines ttniforrn r<avehants fete
<br />_e..,, ,r ,,,~_ ,:^~ ,~,. s f... .. .. _...... -..!..... '.._? .,_... _~ ..: ! r .~: ~~:.: ..:. ;_ "sUtuts. , u.....t~x.
<br />,ec=!rity tnstru.rtent
<br />..vet-~:; r•s,' pr. y.~-ny .hr, `s:~. sr,t: i_..~rn r:mnt Y.SII pt-~n.~rritdby. fcx'I~t~i lees ;:na,(tfse law i~:"i:u iua s.dt.:bC~n to which
<br />the Ft~.l. ,: I-~atcct In : .,:_N 'hat ~ iri ..i„n ~.:_ ~~+ce- of t1us.~.°tunty ln~4xntmnznl gar th. ''n~ic .,nnXa..t. s~,°,th
<br />ptu:v __ .s r-.~t :...niti,_: .r„:;i n<st a : Cr :•;h<i ,rvision3 ,rl clue SecurttvTrutnrm~`tst t~:r td~ \ute which can tk° h~".u
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