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D UNIFORM SFJMM INSMUMENT. GOVESINING LAW; SEVERABIL11TV • <br />Uniform Covenant 15 of the Security Instrument is amended to read as follows: <br />tS. Uidfwn Kcarlty hutrwent; Gaveroft law; Se►erabilifty.'This form of Security Instrument combines uniform covenants for national use <br />and non-uniform covenants with limited variations by jurisdiction to constituot.a uniform security instrument covering real property. This <br />Security Instrumentshall be governed by Federal Law and the law of in which the Property is located. In the emt that any <br />"?9, .J _la <br />provision or clause of tM& Security or the Note cmffl*. , 1COL W, such conflict shall not affect othix T,rwns=s of Ibis <br />ch the-bmt provision, and to this erg the provWobs of tbls' <br />Security Inihummt,07ft Xhnewx � effect without <br />E. TRANSFER OF THE **0tftTV OR A EE NMCIAL INTIESM IN SORROV&t1t <br />Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br />17. Trawler of dw hipM or a Remetkial Insemt is Romwer., If all or any part of the Property or an interest therein is sold or transferred <br />(or if a beneficial interest in Borrower is sold or transferred and Borrower is rot a natural person) without tender's prior written consent. <br />Lender nay. at Lender's option, declare all the sums secured by this Security Instrument 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 waive the exercise of this option if. (a) Borrower <br />causes to be submitted to Lender information required by Lender to evaluate the intended transfeice m if a new loan were being made to the <br />transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of the <br />breach of any covenant or agreement in this Security Instrument is acceptable to Lender. <br />To the extent permitted by applicable law. Lender may charge a reasonable fee as a condition to Lender's consent. to the loan assumption. <br />Lender may also require the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. <br />"If Lender exercises such option to accelerate. Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hereof. <br />Such notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower may pay the sums declared <br />due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, <br />invoke any remedies permitted by this Security Instrument." <br />"Notwithstanding a sale or transfer. Borrower will continue to be obligated under the Nw,,eand this Security Instrumem u-n1 Venda' has <br />released Borrower In writing," <br />F. E0AN CHANGES <br />ir the loan gwured.1yS..-iiie'4"ty"Instrument is subject to a law which sez mWinum, Em• charges, and that law is finally interpreted so <br />that thp inwrat or otha, l6in charges collected or to be collected in ccmntctio� W'Z'.h the loan exceed permitted limits, then: (1) any swh loan <br />charge shall be reduar! b5 , f„te amount necessary in reduce the charge: to the peffnitted limit; and (2) any sums already collected from borrower <br />which exceeded Prrm0lid ' timits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the <br />Note or ky maLmW4;dvt= payment to Borrower. It a refund teduces principal, the reduction will be treated as a partial payment under the <br />Note. <br />IN WITNESS Wifl--MEOF,.Bqrmwer hag o-tintfed this AdjusfnbkRate'miiw. <br />-(. (seal) <br />Charles L. Abel BORROWER <br />-(seal) <br />Christine r. Abel BORROWER <br />A <br />4� <br />At - <br />X <br />G3 <br />BORROWER <br />(SIGN ORIGINAL ONLY) <br />("Seal) <br />C> ch <br />C0 <br />7r. <br />uv <br />-I <br />.• <br />OTII� <br />X <br />G3 <br />BORROWER <br />(SIGN ORIGINAL ONLY) <br />("Seal) <br />C> ch <br />C0 <br />7r. <br />uv <br />-I <br />.• <br />