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D. UNIFORM SECURnT INSMUMENF; GOVERNING LAW; SEVERASUM Uniform Covenant 15 of the Security Instrument is amended to read as follows: AS. Uaffomsecurftimbummitt Go in Law; SevemlMft. This form of Security Instrument . combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real Property. This Security Instrument &W he governed by Federal law and the law Of the jurisdiction in which the Property is located. In the 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 provisions of this Security Instrument and the Note are declared to be overalile. I- TRANSFER OF THE FRMERTV OR A •ENEFICL4L MEERM IN 10wMWER Uniform Coventutt L7 of the Security Instrument is amended to A*4isfooWst 17. Irrunter of ft ftoMly or a DeadlicM Ininva Fa Bermww . - Ua,M.ar,=Wvzrt of the Property or an interest therein is sold or transferred If- a beneficial interest in Borrower is sold or transferred, a*-0td ��' is- mot a natural person) without Lender's prior wTiom consent, L=Wlcr may, at Lender's option, declare all the sums securtut Smufty Instrument to be Immediately due and payable. However. this option shall not be exercised by Lender if exercise is not authorlind IF& Liw- Lender may waive the exercise of this option if.- (4) Borrower causes to be submitted to Lender information roquked by Lender tu evzhi:Ej;k4ir.--intended transferee a* If a; new loan were being made to the t13115fereq JkW M L=dcr reRSOISAW determines that Lender's -q impalnd: lay, the lo"'assumption and that the risk of the breach ofany cov==toTag=w=tir% thissecurity Lender.- To the [anent Permitted byapplicable law, Lender may ' r lamearmwizabbe fee as acoudildon to Lender's consent to the loan assumption. Lender may also.reqWTathe transferee to keep all the promises and agemAtitsutade in the Note and in this Security instrument. "If Lender ct=dm such option to accelerate, Lender shall mail Borr&#gL-zoticc of acceleraiion in amrilance with paragraph 94 hereof. Such noticeshaU provide period of not less than 30 days from bl.m date the notice is mailed within which Borrower may pay the sums declared due. If to pay such sums prior to the expiraticiL-:F such period, Lender may, without further notice or demand on Borrower, invoke any remedies portnitted by this Security Instrument." "Notwithstariftga sale or transfer, Borrower v;/,-!TqdHd'=e to be obligated under the Note and this gecurity instrument unlcnk=der has released Borrower in writing." F. LOAMY: CHANGES If Or-Iman secured by the Security Instrument is subject to �,Iaw whicY;i. wa ma:dmum loan charges, and that law Is finally I r4tweted so that the ihwest or other loan charges collected or to be collected in corinw-6n: with the loan exceed permitted limits, then: (1) any stwh loan charge s�affbe reduced by the amount accessary to reduce the charge to the permitted limit. and (2) any sums already collected froin borrower which C.%62eded permitted limits will be refunded to Borrower. Lmder may choose to mage thil refund by reducing tiv--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 PaMal prepayment under the Note. IN WMESS WHEREOF. 00ftvwtr has executed this Adjustable Rote RlIder. (seal) 4de cd)k&- Deborah A. de, BORROWER (sew) BORROWER (SIGN ORMINAL ONLY) co C)p cr-• cra —t co M L: _J ZIP 73 S, C= z % f M