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000253 (B) Amount of M manly ?V own ddy paytcertt will be in the.arrorcnt of U-S. $ 402.49 MW Note Holder will dow my monthly Pay t 4e required by Serctian'A(C) below an t F-Marest CWW Hate and as dat day every 36th moth thereafter. Each of areas dates is ~i -Taymont Qmge Dace." Mw Mote dWder will, also d=V may taanrthly payr mt an my Interest C Datea if. Suction 5(B) bernLw requires me to pay the Hill Monthly Amount. (C) Calculatlan of Monthly Raymmoc QueWs Before each Payment Cis W Doe, the MAe Holder wiU ratadatp a new =xddy payment sufficient to repay the unpaid principal, balathrae on sy I= in full, on the maturity date at the Payment Rate in substantially equal payments. T -"Payment Race" is the sum of the Index fib an the five Interest Change rates priec+eeding a Payment, Champ Date plats the (x>rretht Irdeac, divided by the REEF plus 3.150 percentar points " ( 3.150 X), rrom%W to the nearest one-eighth of one percentage point EmNipt the payment rate will, not exceed 13.990X. (D) Effective Date of F"ment ChatVs Until the next Payment Change Date, I will pay the a=unt of my new monthly payment each month begiming oc: the first monthly payment date after the Payment Change Date, or Interest Charge Date if Section 5(B) below requires me to pay the Full Monthly Amount. 5. UNPAID PRINCIPAL BALANCE (A) Changes in My U:hpaid Principal Ba]snc~e May monthly payment could be less than the amount of the interest portion of the first Pull Monthly Amount I owe or less than the interest portion of my first full Monthly Amount after an Interest Charge Drate. If so, the Note Helder vill subtract the amount of my monthly payment from the amount of interest I owe and will add the difference to toy unpaid principal balance each month until the neut. Intent Charge Date. The Note Holder Will also add interest on the wo nit of this difference to my unpaid principal balm a each month. Until the next Interest QhaaW Date When. the Note Holder detexcrL*s my new interest rate on my them unpaid principal balance, the rate of interest on the interest addend to principal will be the rate determined in Section 2 above. My con- hly payment could be more than the amount of the Full- Monthly Amount. If so, the Note Holder -4 U subtract the difference Runs the unpaid principal balance of my learn each month until the Heart Interest Cbange Date as if I had mode a partial prcepeyms under Section 7 below. (B) I.isd.t an Urpdd Principal Balame; Required Full. Monthly Amount My unpaid principal beLsoce can, newer exceed a uwd=at amount equal 'to one hundred twentyfive percent of the principal amount I originally borrowed. If my paying the amount of my monthly payment after any Interest QwW Date would cause the unpaid, principal balance to exceed that ma7dn n amennt at any time, I most pay instead the Full Monthly Amount as my ninthly payment until the nano Payment Chance Date. b. NOTICE OF CHANGES The Note Holder will mail or deliver to me a notice of any changes in the PjU Monthly Amount and my monthly payment before the effective date of any change. The notice will include info do n required by law to be given me and also the title and telephone number of a person who Will arnsuer any questtrn : my have n1prdirg the notice." B. CHARGES; LIENS Uniform Cwt 4 of the Se+ wity Instrument is amended to read as follows: 4. Charges; Liens. Borrower small pay all taxes, ass merits, and other ° charges, fines and igxKdtia %s atrrihZable to the Property which may attain a priority over this Sw ri,ty Instrument, and lmwdn1d paymcits or grtund rents, if any, In the owner provided under paragraph 2 hereof or, if not paid in such mgr, by Borrower making payment, whm due, directly to the payee thereof. Borrower shall promptly furnish to Lender all n%Jces of aoxnts clue under this paragraph, and in the event Borrower shall make paynvent directly, Borrower shall promptly furnish to Lender receipts videnci ng such payments. Borromr shall promptly discharges my lien which has priority over this beamUT InsU=ent; provided, that Borrower shall not be required to discharge any such lien so long as B raAw. (a) small agree in writing to the payment of the obligation; secured by such lien in a marrrer acceptable to Iexhder; (b) shall in good faith contest such lien by, or defend against enforcement of such lien in, legal prnceedithgs wefnich in the opinion of Lender operate to prevent the enforce of the lien or forfeiture of the Property or arty part thereof; or (c) shall secure from the bolder of such lien an agrrmeat in a fo= satisfactory to Leader subordimring such lien to this Security Instrument. If Lender determires that all or any pant of the Property is subject to a lien which may attain a priority over this Security Instr>MEnt, Leader shall send Borrower notice identifying such lien. Borrower SkKL l satisfy such lien or rake one or nonce of the actions set forth above w;.thin tern days of the giving of notice.. C. NOTICE Wi.form Cv nit 14 of the Security Instnzeat is amended to read as follows: 14. Notice. Ecept for any notice required under applicable lass to be given in another ma.-mer, (a) aay notice to Borrower rxvvided for in this Security Instrument shall be given by delivering it or by raa11'ra it by first ci.ass man addresmad to Harrower at the Property Address or at such other address as Borrower may designate by notice to Lender as pr+Qvided herein, and (b) any notice to lender shall be givm by first class sail to tender-8 address stated berEiQ or to such other address as Lender nay designate. by notice to Borrower as provided herein. Anry Mice provided for in the Security Imtruneat shall be denied to have been given to Borrower or lender When given in the miner dusted herein. D. UNIFOILM DEED OF TRUST; GOVERNING LAW; SEVERABILITY U3jf0= : eszht 15 of the Security Instrument is amended, to read as follow!,: 15- Uaiforz 'mod, of Trust; GmenidnV Law; Se verahMty. 'ibis form of Security Innstrurmht ca binges erns its $cr national use and rm-%raorA com nannts wrath limited variations by pia iction to c stir e a txdfo= se oxit:p Instrumzt covertM real property. 'ids Seeastity InstrtnID nt shall