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.'�, _ '� T . a � � � � D. UNIFORM 9ECtJRI7Y INS7'RUM�IT;CAVERNING LAW;SEVERA,DILITY � UNfann Coveaant!s of the Security lnstrumeat is amended to read u fpllaw�; � Is. UrM��frhw�h Ga�s�i�Ia�w;SkrKaMNly.This f'orm of Secutity Instrumcnt combines uniform covenants for n�tior,a!use aod non-oniform covs�nt�with limiced v�riatlan�by juriadictian to canatituto a u�iiorm security instrumenc cQVerin�reat property.This , Secudty I�trument shall be joverned by Federal law and tho I�w of the jurisdirNon in which the Property I�located. In the event th�t any -- ; provf�lon oe clauae of t!�Securlty Instrument or the Nate rnnflict+wlth sppUcable law,such conflIct shall not nffect other provlsions af thia Secwlty Inetrumeat or the Note which cuti be 4iven effect without the conllicting provision, and to this end the provisions of this Security Iasttuiaent aad the Note ue decl�ued to be severable. L�. TRANSFER OF THL!R(MERTY OA A SBNEFICIAL INTEREST IN HORROWER � Unitorm Coveatnt 17 of the Savdty lnstruaunt is amended to read a�foltows: � 17. 7'�wter et tre rro��r a lesellcW I�le'esl iw�errower.If ap or any put of the Property or an tnterat thercin is sold or uaa�farced (or if a beae8ciul interat ia eocrower is said or uansferred and Horrower ls not a nitural person)without L.e�der's p�or writt�n eonsent, La�der may.�t Lentkr'a optioe,doclue�p the sums secured by thia Securlty Instrument to be immedlately dne nnd payabk. However,this option:hall not be exercised hy Lender if caercise is not authorized by Federnl law.Lender mxy w�lve the exercise of this optlon if:(a)Borrower a�wa to be wb�aitted to 1Rnder laform�doa required by Lender to evaluate the intende�tran�feree aa if a nevr loan were beina muk to the , tnuMferoe;ead(b)Leader reason�bly detecmines that Lender's secur�t�will�ot be impaired b�;the loan assumption aad thit the risk of the • brach of�ny covenan�c or�reanrnt in this Security Iastrument 9s acapt�ble ta Lender. �� To the atent prrmitted by appiiqbk law.Lender may charge a reasonable fee as a rnndition to Ltnder's consent to the loan assumptioa. I�ender msy aiw roquire the uan�teree to keep all the promises and rgreements made in the Note and in thls Security Instrument. . "If Lender exercises such option to accelerate,Lender shall mail Borrower nodce of acceleradon in accordana with paragraph 14 hereof. Snch notioe shall provide a podod of not las than 3�days from the due the notice is mailed within whlch Borrower may pay the awas doclared dne.If Horrower f�ils to pay such sums prior to the expiration of such pedod,l.ender may.without further notia or demand on Burrower� invote aay ranedies permitted by this Security Instrumeat." "NotwitAshnding x uk or tru�sfer�Borrower wi[d contlaue to be obligated ue�der the Note and this Sec.vrity lnstrument unless Lender has ,rekaud Botrower in writing." F. LOAN CHANGES . . If the loan secured by the Saurity Instrument is subject to a law which sets maximum loan charges,and that law is finally lnterpreted so � ______ _ thit tlie intC[t�t ot othor loan chult�s collected or to he collected in connectian with the loan e:aed nermitted limice.�hem 4l�anv,euch Inan �_'- char�e shW be redueed by the amount neeess�ry to reduce the charge to the permitted Umit;and(2)any sums already wllected flrom bonower � . which exceeded permitted limiu w1U be refunded to Borrower.Lender may choose to make this rcfund by reducing the principal owed under the �"'�� ��=-- Note or by mtking a direct payinent to Botrower.If a refund reduces principal,the reduction will be treated as a partial prepayment under the � ; Note. ' ` ' IN WITNFSS WHERFAF.Borrower h�s executed tib AdJu�tabk Rate Rider. ` I. �R —��e:��(// ($estl) . Wilbur R. Roberts BORROWER . ' (�1) amona 7. Ro rts BORROWER h. i,�. : ' (�, ' . . BORROWER (SIGN ORIGINAL ONL1� - � r � 1 � C� � c.� •.� c.� �: � � 2: D �� .a r" � � r' L1 � : n• ' m !"� !'S ;: � t .� � a �` � '" 7_J 1` : --=-__ �:� �� e:a - . : _ � � ( :�: i -� - 1A � • .— � � � � . - _- R . ' - w 3 � \O , - --" `j � a � �' � ..__ � .. .� a � a :� s� � � �`� " � � , �� -� . � . . A A � . � _ J