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A. UNIFORM SECURITY iNSTRUMENTt GOVERNING LAW, SEYERAl1ILITY <br />Uniform Covenant Is of the Security lastnrttteet is attended to read as follows: <br />1S. Volt nt wcw N1 hm woad% Gorernlft Lttw; Set ersrlYty. This form of Security Instrument combines unifurm covenants for natf000l arts <br />and non- uaiftxm covenants with limited variAtions by jurisdiction to constitute a uniform security Instrument coverinli real property. This. <br />Security instrument shall be governed by Federal law and the law or the jurisdiction in which the Property is located. In the event that any' <br />provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions, arf.: this <br />Security instrument or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Security <br />Instrument and the Note are &clued to be severable. <br />L TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER <br />Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br />17. Tituttter of the Prop4M or a lkwfkW interest is Borrower. If all or any part of the Property or an interest therein is sold or transfor'red <br />(or it a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, <br />Lender tray, at Lender's option, declare all the sums secured by this Security Instrument to be immediately due and payable. Howzver, this <br />option shall not be exercised by lender if erercise is not authorized by Federal law. Lender may waive the exercise of this option if: (a):i33rrower <br />causes to he submitted to Leader information required by lender to evaluate the intended transferee as if a new loan were being made to the <br />tran0em xnd (b) Linder reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of the <br />brmh uf aunr cowna'L or agreement in this Security lmxtrument is acceptable taLender. <br />Tatlieizuent permitted by applicable law, Lender may ci large a reasonalafiefee as a condition to Larder's convent to the loan t "sti-itmption. <br />Lender may also require the transferee to keep all the promises anti agreemerrtsrnatde in the Note and in this Security Instrument::. <br />"if Lenderexercises such option to accelerate, I.end:r ,i:, t mail Rortowtrr notice of acceleration in accordance wish par4sra'pit.14 hereof. <br />Such notice shall proti ir°a; a period of not less than 3(f days from the date the tt�e is mailed within which, Borrower may pay the sum_ s declared <br />due. If Borrower fail, m?ay such sums prior to the expirition of 5a0t perfifii Lender may, without f)iriirr;r notice or demand on Borrower, <br />invoke any remedies pi mitted by this Security Instrument." <br />"thva'Mthstanding a sale or transfer. Borrower will contin ire to 11c obligsied under the Note and this Stcurity brsn wfient unless Lender has <br />released Jamrower in whiting." <br />IF. LfiAN:('FdAla4�u'i . <br />If the loan se y; :' y the Secaricrrlsstruntent is subject co ;t law which• <xps maninntnt loan charges, and thobiasv is finally interpreted so <br />that ths,� r,,Vrc3t or ott-w loan ch2: ,gas,rollected or to be coliecr,vi.in connection with tare 14646 exceed permitted) Iii: tc, then: (1) any such loan <br />charge sbill be rcdurc%.,hy the amount necessary to reduce the chatgc to the fjyrrrrt+:d 51:-,rt::; nd (Z) tiny sums alre.ttly collected from borrower <br />which exceeded pear- 406�limits will be refunded to Horrower. Lendcs may.Itrt3Ce.li .rtiul;e this refund byiFfluddil the principal owed under the <br />Note or by making a direct payment to Borrower. If a refund reducc�- prinstiprfi; ilie,t-rilI lion will he 11-eate'd as a lignial prepayment under the <br />Note. <br />iN WITNEM WHERI•:OF, Borrower has executed this Adjustable Root Rider. <br />4 allMi, y' -�,.. <br />Onifia S. Ktdpp a Pa"An to S. Danklesen <br />t .. <br />(seal) <br />(Seal) y <br />BORROWkII <br />'i SIGN OItMINAL ONLY) <br />va <br />C7 W <br />z @l' <br />'_ <br />n = <br />•l <br />.-'1 Y Li <br />G <br />Z <br />1K <br />uw <br />A <br />a <br />t <br />'a !� <br />:�s:•r <br />cs '� <br />