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� � <br /> D. UNifr`iDi:t:��.'�.CU�.`ITL'I��Tf.'URi.r�•N'b':�YFRP.IIRG I.Af:'t 4`•.4'.:F`►A^v1[.ITTi <br /> Unifarm Covenant IS�f the Security Instrument fs amen�ed ro read as fallows: <br /> � 1S. Udtono eecurlry Is�trraie�lt Gorenln�I.�w;&ventsflity.This form af Secuti•ity Instrument combines uniform cavenar�ts for�ational use <br /> and non•uniform covenants with limited vartattons by judsdictton to constitute a uniform security instrument covering real property. 'fhis <br /> Securitv lnstrumeat slWl be goveraed by Federal law and the law of the Judsdictlon in which the ProDerty is located. In tho event that nnv <br /> provision or clause of thls Security Instrument or the Not�coni�icts with applicabte[AVr,such conttict shalt not affect other provisions of this <br /> Security Instrument or the Nate which can bt given effect without the conflicting provision,artd to this end the provislons of thls Secu�ity <br /> Instniment and the Note are declared to be severable. <br /> E. TRANSFER OF THE PROPERTY OR A HENEFICIAL lNTERFST 1N HORROWER <br /> Unifotm Covennnt 17 of the SecurIty Instrument is amended to read as follows: <br /> �?. T�adter ot t�e Propert'or a Hneticial I�terat 1�Hortower.lf all or any part of the Property or an lnterest therein is sold or transfened <br /> (or if a beneficial interest in Horrawer ls sold or transfened and Borrowar Is not a natural person)without l.ender's prior wrftten consent, <br /> � Lender may,xt Lcnder's option,dalare all the sums secured by this Socurity lnstrument to be Immediately due and payable.However.this <br /> option shall not be exercised by Lender if exercise is not authorized by Federal law.Lender may weive the exercise of this option if:(a)Borrower <br /> causes to be submitted to Lendtr informadon requ9red by Lender to evaluate the inteaded transfera as if a new loan were being made to the <br /> traiufera;and(b)Lender reasonably detera�in�s that Leader's security will not lx impaired by the loan assumptIon and that the rlsk of the <br /> breach of any covrnant or agrament in this Security Instrament is acceptable to Lender. <br /> To the extent permitted by appUcable taw.Lendet may charge a reasonable fee as a condidon to Lender's rnnsent to the loan assumption. <br /> Lender may also require the transfua to kap all the promises and agreemenu made 9n the Note and in this Security lnstrumeat. <br /> � "Ii Lender exercises such optlon to aceelerate.Lender shall mail Bonower notice of acoeleration in accordance with paragraph 14 hereof. <br /> Such notice shxll provide a period of not less than 30 days from the date the notice is mailed within which Borrower may pay thc swns decluec! <br /> � due.If Borrower fr.�ls to pay such sums prior to the expiratlon of such period,Lender may, without ft�nher notia ar demand on Borrower, <br /> invoke any remedies permitted by thls Security Instrument." <br /> "Notwithstanding a sale or transfer,Borrower wiU continue to be obligated under the Note and this Security Instrument ualess Lender has <br /> nleased Horrower in writing.,' <br /> F. LOAN CHANGES � � <br /> If the loan sxured by the Security lnstrument is subjxt to a law which sets maximum loan charges,and that law is�naUy interpreted so F <br /> � that the interat or other loan charges coUected or to be coUected in connection with the toan exceed permitted limits,then:(1)arny such loan � . <br /> charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(2)any sums already collected from borrower � �� <br /> .,. . ....... . . . . _ �_•�._ <br /> � �v;ue i raiceeu'exi�ruudeu�wuc�wiii ix rriundeci to fiorrower,i,ender may cnoose io maice this rciund by rRiucmg the pnnc�pat owe�tmaer the _ <br /> Note or by making a dlrect payment to Bonower.If a refund reduces principal.the reduction will be treated as a partia!prepayment under the � � <br /> Note. <br /> IN WITNESS W�REOF.BormRer 6u eaecuted this AdJustabk ltnte Rider. ' .- <br /> � ,� <br /> �� �� <br /> �22� �-.�� � ✓ 1�C.� <br /> _ ��� <br /> " gene J. nTO RROVVER <br /> r . <br /> � ,�;�L6Gl/ � .G��I�L.c�/ (Seal) <br /> Janice K. PenroseBORRUwER <br /> �•� <br /> i��� <br /> ��� ' . <br /> BORROWER <br /> (SIGN ORIGINAL ONL� '-'� <br /> � <br /> � _� r� u; �' <br />. J•\' �� - . - . - � <br /> r-- � � � Cj p �. ;=_ _-__-- <br /> � _ �' -.:, : � � �� � ' � ; <br /> � � � n - : - �� �'�' � ; <br /> �- � � � � ; , -_. - --� � � � <br /> � ,•, .� /J S,� ^� :•. � � <br /> � __ 1 <br /> � .,, . � . :� , <br /> W ", r . <br /> � , � � <br /> � �, , ��.� <br />_ ti o � � o. <br /> � r, <br /> I v V <br /> � � <br /> � �� <br />