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_��. <br /> �.�_- - - -- � � <br /> D. UNiFORH!9ECUR17'Y INSTRUMENT;GOVERNING LAW;SEVEItABILITY <br /> Uniform eavenant IS of the Security Instrwnent is amcnded to rc�d as follows: <br /> � 15. Unlform secudty lestrumentt Goveraleg Law;Sever,iDli�ty.This foem ot Security lnstru�r+ent combines uniform covenants for national use <br /> 3llt�I10A-UllI�OlA1 CO�'U18A[S WILII UINiM Ya!'(a[IOAS by}UIIStI�C[IO�IO COIISII[UlC A UAIfOIRI SlCtlf�ty IA4t7ltII1CAl C�VCtIA$lCa.I plOj!lSly. This <br /> � Secu�ity Instrument shall bs govemed by Federal law and the la�v of the jurisdiction in which the P�operty is located. ln the event that any <br /> � �ra��tan ar:ta�s:of thls S:�z3i�;l:.sirum.nt ar tk.�ot;canfli:ts::ith sppt3cabl�la::�,such conf�M shrl2 aet�ff�t c*.hrr p*e�elens ef t�+s <br /> Security Instrument or the IVate which can be given effect without the cont�icting provision, and to this end the prov9slons of this 5ecurity <br /> Inst�ument and the Notc are declared ta bc severable. <br /> � �. TItANSFER OF THE PROPERTY OR A BEN�FiC1AL[NTFRFST IN BORROWER <br /> Unifarm Covenant 17 of the Security l�strument is Amended to read as foli�ws: <br /> 17. 7'tsn�ter of tAe Property ar a Beneficial lntercst in Borrower. lf all c►r any part of the Property or an intcrest therein is sold or transfened <br /> (or if a bene�cial interest in Barrower is sold or t�ansfcrred and Borrower is not a natural person)wittiout Lender's prior written consent, <br /> � Lender may.at Lender's option.declare all the sums secured by this Security Instrument to be immediately due and payable. However.this <br /> option shall not be exercised by Lender if exercise is not autharired by Federal law.Lender may waive the esereise of this option if:(a)Borrower <br /> causes to be submitted to Lender information required by Lencicr to evaluate the intended transferee as if a new loan were being made to the <br /> transfera;and(b)Lender reasonably determines that Lender'�security will not be impaired b,y the loan assumption and that the risk of the <br /> i breach of any covenant or agreement in this Security Instrument is acceptable to Lender. <br /> � To the extertt pernutted by applicable taw,l.ender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. <br /> , L.ender may also require the transferee to keep all the promi,�s and agrec mcnts made in the Note and in this Security lnstrument. <br /> "If Lender exercises such option to accelerate.l.ender.1���11�nail eorrower notice of acceleration in accordance with paragraph 14 hereof. <br /> Such notice shall provide a period of not less than 30 da�•c irom zhc date the natice is mailed within�vhich Borrower may p3y tho sums declazed <br /> due. lf Borrow•er fails to pay such sums prior ta the expiration af cuch period.Lender may, withaut funher notice or demand on Borrower, <br /> � invoke any remeciie�ti periniued by[I�is Sc�u�ity tnstrument." <br /> "Notwithstanding a sale or transfcr,Borrower will continur to bc obt9gated under the Notc and this Security Instrument unless Lender has <br /> , released Borrower in writing." <br /> F. LOAN CHANGFS ' ! <br /> If the lostn secured by the Security Instrument is suhje�t i��:►law which sets maximum loan charges,at�si that law is finally interpreted so { <br /> � that the interest or other loan eharges eollected or�o be collected m connectien with the loan erceed permitted limits,then: (1)any sueh loan . <br /> charge sha11 be reduced by the amount necessary to reduce thr charge ca the permitted limit;and(2)any sums already collected f'rom borrower !� ' � <br /> � wlrich ei[ceeded oermitted limits will he refunded fo 6orrnucr.I.ender may choose to make thi�refund hy reducin¢the rrincinal owed under the 1�'�==� <br /> '� Note or by making a direct payment to Borrower. if a refund reduces rinci al,the reduciion will be treated as a artial. re a '- <br /> p p p p p yment under the t �� <br /> Note. <br /> IN WITNESS WHEREOF.Borrower 6as executed this Adjustable Itatc Rider. ° <br /> .� <br /> . �OG�tn: , (S�) ' - <br /> Edwin . Bills `BORROWER <br /> ����....� �.-t.�L1� {Scal) - <br /> CaTOlyn L. Bills �aRROW�R . • � <br /> ':� <br /> �:--�;,._ <br /> i;'�.. <br /> (Seal) s ._ <br /> BORROWEa � . <br /> (SIGN ORIGINAL ONLY) ..._.. <br /> ,� :°" 1 1 ' t�, . c .n <br /> �� ^ � • 7 � . :..3 � � -- _ _ -- <br /> 7 b c� � ' . � <br /> � � � � '�� � <br /> x � �_ � � � °� � <br /> _� , --.+ , ; ,� � s .. � <br /> � 1 <br /> O � . .V <br /> ; L � �' _. �.r <br /> : o � <br /> � �✓ <br /> i � � ' t � '� <br /> � � , �� ' . . . � � <br /> _� � c . �. <br /> �. � � <br /> �� ,� <br /> � <br /> .�,��a�; � ' .� —� <br /> � <br /> ,�;... <br /> .�}»- <br /> :.;� ;,� <br /> :;-. ; <br /> ;l.. ��; <br />