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F 1). UNIFORM SECURITY INSTRUMENTi GOVERNING LAW; SEVERABILITY Uniform Covenant 13 of the Security Instrument is amended to read as follows: la. UaKore aec�adta irrtnnoeatt; Govetwlg Law; Sevemblilly. This form of Security Instrument combines uniform oavenantt• for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument coveting raid property. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is locautd. In tltc event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other. provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and to this end the prrnrisionr of this Security Instrument and the Note are declared to be severable. E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: 17. Transfer of the Property or a Beneficial Isierest is Borrower. If all or any part of the Property or an interest therein in sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at Lenders option. declare all the sums secured by this Security Instrument to be immediately dui and pnpable. However, this option shall not be exercised by Lender if exercLs. is not authorized by Federal law. Lender may waive the exerdse of tills, Qption if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a now. loan .ware being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption, and that the risk of the breach of any covenant or agreemmat itt this Security Instrument is acceptable to Lender. To the extent permmRted by apVhcable law, Lender may cbaTge a reasonably fee as a condition to Lender's constmt, to the loan assumption. Lendei may also require the transferee to keep all the promises and aSreements made in the Note and in this Security Inr• - cement. If Lender exerdses suchiption to accelerate. Lender shalt mail Borrower notice of acceleration in accordance with paragraph 14 hereof. Such notice shall provide a periv of .not less than 30 days ttonz the date the notice is mailers within which Borrower may pay the sums declared due. If Borrower falhtopay.pcb sutras prior to the expiration of such period, Lender may, without further nodac or demand on Borrower, invoke any remedies pmnined by this Security Instrument." "Nobdthstabrd -mo a sale or transfer. Borrower will continue to be obligated under the Note and this, Security -Instrument unless Lender has released Borrower in writing." I?. LOAN CHANGES If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and that lAw is finallyiteterpreted so that the interest or other Ioan charges collected or to be collected in connection with the loan exceed permitte4,iimits, then: (1) aka? such loan coarge Shall be re:duoed by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already collected from borrott<ec which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reduci6g.the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a,partial prepayment under the Note. IN WITNESS WIMEREOF. Borrower has executed to Adjustable Rate Rider. ## The maximum interest rate will be no more than 12.5% until December, 1992, after that time Home Federal will establish a new intere -te cap at no mope than 14.5 %. n st-J, BOAR A (Seal) r. Janice M. Thayer BoRpfiWtR G (sew) BORROWER (SIGN ORIGINAL ONLY) 4-01 err C_ -- -a � �• s" ::c ri yw 0 :: r :� co c� CD N c n. of (� ro Co -� d cirn .�� cn ..i. `— N P 0 �. 0