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a ..__ . � � . P. UNI6QRM SECURSTY INSTRUMEN'T;COVF.RNING I.AW;SFVEIUBILlTY �O'� �V O O�;/� UniPorm Cpvenant!S of thc Sccurity Instrument is Amended to read as fullo�.s: � 1S. Unifo�m secu�lty instrueient;Gore�ning 1.��;Sevent�ility.This Porm oP Security Instrume�t cambines unifo�m covenants for nattonal use and non-uniform covenants with limited variations by 2urisdiction to constitute n unii'orm secutity inct�ume�t eovering real propeety. This 5ecurity lnstrument shall be governed by Federal law and the law�af the jurisdiction in which the Praperty is ioeuted. In the event that any provision or clause af this Security Instrument or tne Nu:e conftict��cith applicable taw,sucA conilict shall nat afPect other provislons of this Secu�ity i�strument ar the Note which ean be given effect «ithout the contlicting provision, and to this end Ihe pravisions�f this Security Instrument And the Note are declAred to be severable. E. TRANSFER OF THE PROPF.RTY OR A BENF.F It'IA1. !!VTH:RFST iN BORROWER Unit'orm Covenant 1T of theSecurity Instrument isamended ta read as fi�ilowc: 17. Tra�.+frr ot tAe Property or o Beneficial interrst in Borrowcr. ti all or any part of the Praperty or an interest therein ia sold or transferred (or if a benet'icial intcrest in Barrower is sold or iransFerred and Borrower is ttot a natur3l person)�vithout Lender's prior written wnsent, � I.ender may,at Lendcr's option,declare all the sums aecured By thi�Security tnstrument to be immediately due and payable. Hov►ever,thls option shall not be exercised by Lender if exercise is not aiith�riird by�Federa!law.Lender may waive the exercise of this optio�if:(a)Borrower ', causes to be submitted to Lender information required by l.encler to evaluate the intended transferee as if a new loan�ere being made to the transferee;and(by Lender reasonably determines that i ender'�security will not be impaired by the loan assumption ttnd that the risk of the breach of any cavenant o�agreement in this Security lnstrument�s acceptable to Lender. To the extent permitted by applicable laa,Lendrr n�c�y rharge a reasonable fee as a condition to Lender's consent to the loan assumption. L.ender may also require the transferee to keep all�he prum�,cr.�nd ar,rccments made in the Note and in this Security In�trument. "lf Lender exercises such ap[ion[�accelerate,Len;ic� .>>:.�m zil 8orrower notice of acceleratian i�accordance w•ith paragraph 14 hereof. Such notice shall pruv;de a period of not lecs than 30 day;imm�.:�;.late[he not:ce is maitecJ��i�hin which Borrower may pay the sums declared due. If BorroK•er fails to pay such sums prior to the etipirativn.�i•u,h period,Lender may,without further notice or demand on Borrower. � a' ' a� •ti:�� '�•.In.e r+�mn t iz:•3 ra:s;rr:^,:,.��M:;:z::;.-.. ;. ... :ar:.,. t._..._r... "Notwithstanding a sale or transfer,Borrow•cr��•ill contin�;to hc abligated under the{Vote and this Security Instrument unless Lender has , rcleased Borrower in w�iting." . ; F. LOAN CHANGE,S ' If the loan secured by the Security Instrument is subjcct tu a law which sets maximum lo,�n char�;rs, and that la��is finally interpreted so � . tha�the interest or o►her loan char�.s collected or to he collrc�e.! �n connection with the loan crceed permitted limit>,ihen: (1)any such loan ' charge shall be reduced by the amount necessary to reduce the c`�ar�e to the permitted limit;and(2)any sums alread}•collecced from borrower � � '; _ v_ �_ • ,e__:._ ..� �..r�::�.� . � - w��ii cxCccuct"�{�ci ntiiicu nttut�NWin vc iciiiiturS iv nv��u�vc�.i.cnue� tnay cieevse iu ntaac iiii�i ciuuu'vy r�ciu�ing iiio prin�ipai owtti untier tite - _ Note or by making a direct payment to 8orrow•er. If a refund reduce�principal,the reduction�cill be treated as a partial prepay�ment under the l Note. IN WITN�S WHEREOF,Borrow�er has executed this.4djustahle Rate Ridea - -- -._� (Seal) Ne . Kell gORKOWER + t ; � " (Seal) Dianne G. Kell�[�RRO Eit ' . .�- : .'-�-- - ----- -- ----- (scal) � , BORROWER . (SIGN ORIGINAL O`LY) � �-_-_—___ i TT L � ti �I � �� . , , �; � . _._...f