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l' .._ . _. O. 11141E'ORM SECURM INSMUMIENT; GOVERNINtl; LAW; SEVERAl1UM Uniform Covenant IS of the Security Instrument isarreaded to read as follows: IS. V Wanes aeewrity iatNruaraeat; Gotteraift Law; SrrereM Ry. This form of Security Imtrumettt combines uniform covenants for national use . and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument coveritgt real property. This Snooty Instrument stroll be &owned by federal law and the law of the jutisditt(on in which the Property is located. In the event that any provision or clause of ¢his Security Instrument or the Note conflicts with applicable law. such conflict shall not affect other provisions of this Security imatrtur ent 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 severable. E- TRANSFIMR Of THE PROFF.RTY OR A BENEFICIAL INIERDST IN BORROW FM Uniform Covenant l7 of the Security In.strumnnit is amended to read as follows: 1y. Trassfer of the Property or a Stsefkial laterest is Borrower. If alt or any part of the Property or an interest therein is sold or transferred (or if a bcorwia1 interest in Borrower is sold or transferred and Borrower is not a natural person) without..Lender's prior written consent, Leader may; :.t end:r's opt -or., declare all the sums secured ny this Security Instrument to be immediateiyalrr' a;nd payable. However. tl'ds option shall r-m tiz r aer.fW.tav Lender if exercise is not au!ho: ized by Federal law. Lender may wdi.vetise exerese of this option if: (a) Borrower causes to be :°* �rtud to Vi—xler information required ';2:- Lender to evaluate the intended tramsfe>:ee as if a ni�y loan were being made to the , a4weree; and (b) lender rm.onably determines Char l ;et's security will not be impaired by the loan as! itan and that the risk.ttl tJ : • : :, -.: . L�rach of any covenant or y,igmnent in this S&urity fra:;::;mcnt �s acceptable to Lender. ?: Totheextentpornittedbyapplicable •E.uw,Lendernwc _ ha rcea reasonable fee asacondim.g.' W Leader's consent tothrls7anassump". Lender may also require the transferee to it1 -q sl; the rx„r,r ,,n,d agvements made in the Note,trn'l;;it this Security Instrumt�m "If Lender exercises such option to accelerate, c'_.- , �: ,cs: t rr..:, 3nrrower notice.of acs: trm;ba in accordance with piix7. yti t4 hereof.' Such notice shall pro;lde a period of not less than 19 dz ; °, ir.. 7, Ids.• the notice ds r� tt "r;�,� #`;j::�;• which Borrower gray pay lime sums dect4m i. due. if Borrower fails to pay such sums prior to the ;rip;: t tixi ,.a. period. L� 'L�, f:�;.: i "out further notice or demand on Borrower, Invoke any rt 6tdies permitted by this Sc xtriry Instrufl4w_'4:: "NotwlrAvanding a sale or trancfir, ink `rower V ectd III, I--, ±,: ,tligated under the No;.:z,ns:!hi, Security Instrument unless Lender has released Borrower in writing." E. LOAN CHANGI:S If the l.,ansecurMt by the Security ft—i-,runtent I,. ;utrt,.t to .r tav, which set maxirnum 1owI _scarp, s. and that law is (i ❑ally interpreted so that the interest or tither loan charge, collected rr to be f ollekrrcl In connection with the loan cxce'ed permitted limits, then• (1) any such lout charge shall be reduscd by the amuunt necessary to reduce th- Lharue io the permitted LmiC :std (2) any Burns a:rrady collected from borrower which etceeded permitted limits will be refunded to Rnrro%%vr. I ender turn% vhuow w mahc this refund by owed under the Note or by making a diem payment to Borro-xvr. If a refund IetIuce% tu,noval• the tedudtoa will be treated as a partial prepayment under the Note. IN W1TNUSS WHERFAW, Borrower his executed 1h;•, AAjostahlsr Rs!r Ritter. (Seal) Michae Poay Gr 11 Rt, VLK Mail Alice M. Gray WWRC>tWLIt n n z a _ M M t'i; t'b � � • 2 7R Z' � Fit [• ` \` f ,•L (Seal) (SIGN ORIGINAL. ON] Y) � ry -I ew •'' � C` -rr � U w U) tp