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r I- D. 'UNUr' MM SOCURM INIMIJUMT; GOVERNING LAW= 3LVFAAIUI, 'Y Uniform Covenant 13 of At Stxurity Instrument h amended to read a follows: 89-- 103370 13.. t1w rots sI P ob ilal MM4 C "I tB Low; 910srawl".11" fonts M Security Instrument comMinrt uniform covas ate for Itntiattal we and nowsailbe rnrwalau whit Valk" variatioaa by jurisddsri= to eonstinitt a uniform sacwity lMgf%M M coming real property: '(tilt Sscwity lasbu nsat shall be govoraod by PodKd law and the law of the jurisdiction in which the Proputy h located. Ia the aysrst rhea nay proivhiea or darter of this Sscw 4ty lastranoom or the Note uvol'bas with appltcaMa law, such c mfwt shay not affset othat prtwhioaa of tlth Sorrily iastrosaw or the Note wktich can be Riven er(ftt withnnt the confl"na proviska. and to this end the pre7rbiots or Ada 9om*y I nrmptt and the Holt we declared to be severable. L 7ItANIti tW'IM P W=4V OR A iKNFYN3AL IMTMW 1N WRROWER Uniform CovsesK 17 of din Sftwky Instrument is amended to recd as follows: 17. Thowfsr of too laspmoy as a bearA d bonnet in nerewom. I r all or any part of the Property or an interest thane is soil or traadfernd (err ii;,a bwwfkW iatoraot in Borrower is said Of tress raTW and Borrower is not a natural person) without Leader's prior written consent, Uudef ntay. at Leader's option. 14e ar@ all the stuns secured by this Security Instrument to be immediately due and payable. However, this option MA not be exercised by (.ender if exercise in not authorized by Federal law. Lender may waive the exercise of this option if: (a) ft. own causes to be submitted to leader infonsatioo required by Lender to evaluate the intended transferee as if a new loan were beiry made to the transfta m and (b) Lssdar renowift determines that Lenders security will not be impaisr'd by the loan assumption and that the risk of the breach of any covt"M or yreatwstt is this Security Instrument is acceptable to Lender. 7b the extort permitted by applicable law. Lender tray char. a reasonable fee as a cmAtion to Lender's consent to the lulu aaamptIon. Lender May also rrgoirtr the transferee to keep all the promises vr4 sgcr+eementa made in the Note and in this Security Inttrtmumt. "if Iz der crosses such option to aooekrate.-Lender sbaiii mtW Borrower notice of acceleration in accordance with paragraph ii hereof. Such w6m shag provide a period of not less than 30 days from AJ*date the notice is mailed within which Borrower stray pray the sums declared due. If buv wer fails to pay such sums prior to the expiration of such period. Lender may. without further notice ot.deaand on Borrower, invoke lay remedits permitted by this Security Instrument." "Nahrith tandiap a sale or transfer. Horrowe will continue to be obligated under the Note and this Security Instr 46ent unless Lender has rehsasod !lorrowsr in writing." F. LOAN CKANCEII If the loan nscwadby the Security Itatrutnent,it subject to a law which sets.nuximum loan charges,," that law is finally inter.pMW so treat the interest or otbte (pan charges collected or to tat collected in connwim with the loan exceed per*LtWd limits. then: (1) any such loan charge shall be radeced by the mount necessary to reduce the chute to the permitted limit; and (2) any stunts already collected from borrower vAiGb DamittadWlitswillhere fun&dt4mJbwrnsun.r'rsi.e .u.1......�.......��w:•»a.... .� »�- -•`-- -' - -' --` - ---. -_ � »•�.•� «....�� ....v. v�r .w�wa� n.c p..nwp�t vwR WgCr tilt Nate or bf swaking a dir ct paymern to Borrower. If a refund reduces principal. the reduction will be treated as a partial prepayment under the Note. IN Wff WM WHFJtDOF. Renames Itas esseala/ Als Adjustable Rate Rider. (Seal) e SWard Rion,§rdMORROWER (Sea!) Susan C. Richards BORROWER BORROWER (SIGN ORIGTNAL ONLY v f, r ..` r► 1