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'_____`_ --;-' ' - ."' -.- - � - - _ � ...-..�..�..+ s - -• 'wrs+�s�. - •.. ..-•—��AP��7r .. _ _. ��---" - I 6061234 / �0�,�3 l�NR2-3118-2 QNN N�l If 1 w:�►t ta excctiisc the Con��ersion Optiun,l n�ust fit�t mcct certain conditions.Tl�o�r cuixliliwi�ara tltat:(il 1 mu�t gi��e che Note HolJeriwtire�hat D want to ck�su;(iil cm the Con�'ersion Datc,l muLt ix�t!�e in defsult under the I�kue��r�he Seeur►ty]nstru�nent;(iiil by u date s,pec�fied bY the Note Ht�lcl.r,l must p:��the Note Holclrr a roncer.i�in fee oi'U.S. S �pp ;cuxi(iv?1 �nusc sign and Fi�'c the I�ofc Nnlder :uty dncumrnts�he Note Hntder _ rec�►►ins co eff�t the co�vcrsio�. — (B)Calcutativa ot Fu►ed itate My new,fixed inteeest �ute will be ryu�f tu che['Ct�T.7I N:1IW1i:tD i�0ii�;.ge As}cx-iati�n�required net yield _ us of a dAtc and pme of day specified b��thc Note liold=r for(if if the original term of this Nate ic grcatcr than 15 ��irs. 30-yeur fixed rate mortg�+Fes c��•ered by applicable 60-duy mandatory deli�•ery cammitments,plus five- c.ighths of one pencentagc paint(0.625�k). rounded to the nearest one�eighth of one percentage poin[(0.125�'rl.ar (ii)if the originil tem�of this Note is IS years or less,IS-year�xed rate mortgages co��ered by applicable 60-day mandatory de1i�•ery commitments,plus fi�e-eighchs of one percentage point(0.6?Srk),rounded to the nearest one-eighth of one percentage paint(0.125�'c). !f'this required net yield cannat be dttermined becuuse the appfi- cable com�nitments a`e not available, the Note Holder will determine my interest rate by using comparable q(pj�abov�e,lMlY 3HTERES'� R TErYILL NEV�RWB� tiRcATER TYAy�??50 PERCEHT.� (C)New p�meat Amount�ad Ettective Date If 1 choose to exercise the Conversion Option,the Note Holder will determine tho amaunt of the monthly payment that would be sufficient to repay the uapaid principal I am expected to owe oa the Conversion Date in full on the maturity date at my new fixed interest rate in substantially equal payments.The result of this calcu- lation will be the ncw amount of my monthly payment. Beginning with my first moathly payment after thc Coavenioo Dau.I wiii E►ay the aew amount as►ny manthlY paYment until the Iviaturity dau. C.TRANSFER OF THE PitiOPERTY OIt A➢3£�iEFICIAL 1NTEREST IN BORROWER 1.Undl Borrower ezercises the Conversion Option under the conditions stated in Secaon B of this Adjust- able Rate itider,Uniform Covenant 17 of the Security Instrument is amended to read as follows: ��p��Y��g�d1CW Ista�st i�Bo«+awer.If all or aay part of the Properry or any interest in it is sold or transferred(�r if a benc�cial iaterest in Borrower is sold or transfened the Borrower is not a nstucaY person)without Letsder's prior written conunt, [,.ender may.at its option,require immediate paymeos ia fuit v�aAI cums secared by this Sesurity lnstrument.Howe�er.this optioa shall not be exercised by Lender.iE tx,ercise is probibiud t�y federal raw as of the date of this Security Instrumcnt. Lender also shaU not oxcn�ise�c�n�s option if:(�)Borrower esuus to br submittcd to Lender information nquired by Leader to evalu�u the iauaded transferee as if a oew low were being cnade ca thc traasferee:and(b)Lender reasonably determines that Lend- er's security will not be impairecf by the loan assumption aad that the risic of a breach of any cov�nant or - _- -.. - qgretment in this Security it�strlcu�at is aca.pu►aee m icnuor. -. _.._. _.__. .- --- - ------- —.— ---. To the exund ptrmitted by applicable law.L.ead:r raay chargG a reason�ble fee as a conditioa to Lenderst COAStQt t0 tI1C{��0 SSSUIUptlOD. Lender also may require the trunsferee to sign au assumption agreement that�s acceptabk to Lender aad tDat obYigates the uaasferee to kc�p all the promises and agrcements made in thc Note and ie:t3�as Security Iastrument. l�rower will continue to be obligat�d uader the Nou and this Security Insuu- mart waitss leader rdeasos Bon�ar ia writing. . � IfLznderezecri�es the option to require immediate payment in full,I.eader shall give Borrower aotice of ' acceieration. Tbt�notice shall provide a periad of aot less than 30 days from the dau tlx notice u delivered or msa�within wbicb Borrow�a nwst pay all sums secured by this Securi4y Instrument. If Borrower fails W pay � these sums priar to the expinti�oa of this periad,Lencler may invoke aay nmedies�permitted by this Security Instr�ement without furibe�notio�c.or demaad oa Borro�rer. 2, Ii Borro�,arer e.xerciscs the Conversion Option uader the conditions stated in Section B of this Adjustabk Rate Rider.tha amradmeat of Uaiform Covenaat 17 of the Security Instrutnent coatained in Section C 1 above shalr t3�a cexse to be in offect.wd the provisions of Uniform Covenant 17 of the Security Instrumce�shall insues�t be in effec�as follows: 'llrsotfer of the Property or a Beodiciaf Inta�est in Bort+awa:If all or any part of the Proporty or any iauaest in it is sold or tra�,sferred(or if a benefi=ial interest in Borrower is sold or traasferred and Ba�rrower is oot a natural person)wit@,aut Lender's prior written coosent.Lender may,at its option.require imme�Sc:ste payment in full uf at!sums ucured by th'r.s�ecurity Instrument. However.this option sl�all noi be exercised by Lender if exeneise is prohibited by federal taw as of the date of this�ity Instrument. if Y.ender exec+cises tHis o�tion, Lender shall Qive Borrower nodce of acceleratioa. The aotice shall prov'�de �pereoa of not less tl�an 30 days from ttse date the notioe is dNivered or mailed withia which Bourower must piy all sums:ecured by this Security tnstrumeat. if Barrower faiis cu�iay t��e s�:►is�sia:to t�=a�ss�uu of shi� per;o��I,ender rnay invoke suy remedies perautted by this Security Instroment without funt►ar notice ar demaad on Borrower. BY SIGNII�G SEiAW.Borrower accepu aad agrees to the terms aad covenants wntained in this Adjustabk itate Rider. ............ ............. (Seal) .ar!�~".�.�"r.:"................... tse�� .•..•...•. ... . �dorcowu BurroWa LEJAIJDRA CASTRO .............. .......................... ...(Seal) .....�l�. .... .............._....... earroMSc . o�. �c� /� .(Scal) ourre.er FIDEL CASTRO — . F«,.»u,��i,�„ :r — .