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I � R. UNIFORM SECURi7'Y lNS'�RUMENT;GOVERNING I.AW;SEVERABILITY Uniform�ovenant 1 S of thF Secur�ty Incirument ls amended to read as follows: � 15. U�ltorm sceurity Idt�we�t;Goveniaa I.sw;Savenbility.This form of Secudty Instrument combines uni`orm covenants for national use and rtan-uniform covrn�nts wit};limited vttrjations by jurisdiction to constitute e uniform security insttument cavrrieg real prop�rty.Th[s Security Instrument shall be governed by Federal law and the law af the jurlsdictlon in which the Property is lacated. In the event that any provision or ciauu of 4his Security Instrument or the Note contltcts with aFFlicable 2aw,yuc;��v�ut�I�t shati not affnt oci�►�f piotisians oF.his Security tnsuument or the Note which can be given effect without the contUciing provision. and to this end the provisions of this Security lnscrument and the Note are declued to be severabte. & TRAN9FFR OF THE lROPEATY OR A BENEFICIAL INTEREST W DORROWER ' Unlform Covenant 1?of the Security Instn�ment is amended to read as follows: 17. Tra�ufer ot tre Property or a De�etkW I�terest ia Borrower.If all or any pan of the Property or an interest therein is sold or uansfened : (or lf a benefidv interest in Borrower is sold ar transferced and Borrower is not a natural person)without Lender's prior wrItten consent. Lender may.at Ltnder's option.declare all the sums secured by this Secudty Instrument to be immediately due and payable.However, this ! option shall not be exercised by Lender if exerclse is not authorized by Federal law.Lender raay waive the exercise of this option if:(a)Rorrower causes to be submitted to Lender information required by Lender to evaluate the iatended uansfatie as if a new loan were being made to the ; transferee;and(b)L.sader reuoa�bly determines that Lender's sccurity will not be impa9red by the loan assumption and that the dsk of the ' breach of any coven�nt or a�greement in this Secnrity lnsuument is acceptable to Lender. , To the actent perniitted by appHcable law,Lender may charge a reasonable fx as a conditIon tn Lender's consent to the loan assumption. Lender may Also require the transfera to kap all the promises and agraments made in the Note aad in this Security Iastrument. , '•If Lender exercises such option to acalerate,I.ender shall mail Bonower notia of acceleration in accordance with puagraph 14 hereof. Such aotice shall provide a perlod of not less than 30 days from the date the norice ls mailed within which Bonower may pay the sums declared � due.IF Borrower fails to pay such sums prior to the expiration of such period, Lender may,without further nottce or demand on Bonower, invoke any remaiies permitted by thts Security Instrument." '•Notwithstandieg a sale or vansfer,Bonower will condnue to be obUgated under the Note and this Security lnstrument unless Lender hu � released Borrower 9n writing." { F. LOAN CAANGES � If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges.and that!aw is finally interprctod so . � that the intorest or other loan charges collxted or to be collected in connection wlth the loan exceed permitted limits,then:(1)any such loan , = charge stutll be reduced by the amount necessary to rcduce the charge to the permitted limit;and(2)any s�uns already collceted from borrower ; _?- «i /' 2��«It ...0 T .i ww�w�uu i • / w � r � . _.._ :;:�s::.:,.�...p..:a;;i:�.;:a..v ...�:....,u:.d�ta�:sra::......ar...c:sz.:y��:tc�.. .. :e u.�sd S,r�ndr.;.ra Y:ir.ci�.�•�x'u..�sr th - ._ Note or by making a direct payment to Bonower.If a refund reduces principal,the reduction will be treated as a partial prepstyment under the '� i Note. IN WITNFSS WHEREOF,Borrawer h�s txecuted thi�Ad,jaatabk Rate Rider. �� ` (�) � BORROWER ol�crat.tie Q 1�.��n�la��, _ �s�� Jeanne A. Reyrolds ORROWER =`,;_ . �� (�1) ` BORROWER (SIGN ORIGINAL Oi�LY) ---- � .a � � � A .� ,..� ' � c ' ��Q � � �C r� N •1 `� - 1 "C � � ' f.�F �m � 0 � � iXi ��I • � � a :.�.I� r"=====_-.. TC � � _ _ . �� .� I \ �� ;; _ , . �-.� i _ �(� Q _ � a . .._ �_ �:-- 1 . � '� C �•�, -- J, �:� " .� I� r,.,� � ��a �� . <...: - � �� L � � h _ . , � � , � � � � � � � � � �' 1\ , � . � �� . ' �;t