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'A O �f ' tO Ik flKURM U UTRUhUNTi GOVBMNG LAWI S VERASUM UaifamCoveaAat IS of the SmdtY Imtrument b Amended to and ea follows: U. Uaifet}M alntrl4 bsAWeamet; Gennitw Lawn 110101111111 ft- This term of security Instrnmsat eonabi= adfotta Covenants for national wo and nonardfom eownaats with Umitd varWloru by jurhdlcdon to C=Wtute • uniform eaasrity Inhuman covering real plop" Y' This Security lnmu mat d ail be gaveroed by Pollard law and the law of the jurisdiction in whkb the Property is located. In w event that Any Provision or clause of this Security InstmnrM or the Note conflicts with spplkable law, such conflict shall not Affect other provWda of this Security Instrument or the Note wbkb rare be given effect whbout the eonfUotity provision, Call to ebb ead the provWon s of this t @Ndty Instrument and the Now are declared to beesverable. IL T"NUM OF TnB PROPS ffV OR A I ENIMICIAL I14710M IN BORROWER UdIaos Covenant 17 of the Securty imtrummt is Amealded tP read Y follows: 17. 7ltrandat et1 lie ftwpsbr er a Masfisltl 1aMaesl M >Mnt'we► If sill a Any part of the property or an intact therein 4 sold or transfarod (or,f a baaefkW low" is Sommer is sold or traaafarad sad Borrower b cot a uUnal person) without I prior written contact, Lender may. at bender's option, declare All the sure savred by " S06wity Iosstnumcat to be immediately due and payable. However, this option ails!! not be exerdsed by Larder if exerdte is not auahoriud by Federal law. Lender may waive the exercise of this option if: (a) Borrower cawed to be &Wmdtted to Lender infam»tion tequirod by Lender tow slit the iavadAd trawfaw as if a new loan were being made to the transferee; and (b) Leader reasonably determines that Lender's sesutky will not be impaired by tk iota eusuraption and that the risk of the french of any covenant or agmemeat im this Security Instrument is W;cwtawe to Lender. To the extent peradlted by applicable law, Lender may chuW a rm onabie fe, m a coax clan to t ndc •'s t to the lean 11503000000- Lender may silo regab+e the transferee to keep all the promises and agreements made in the Note and in this SehstriW'JOAron"t- "IfLatch exacies such option to accelerate, Lender shall mad Borrower notice of acceleration in accord -mm with paragraph 14 hereof. Such notice da provide a period of not less than 30 days from the due the notice is mailed within which Borrower may pay the cusps declared due. If Borrower falls to pay such sum pdor to the expiration of such period, I.endu may, without further notice or demand on ilorrower, invoice say re =Wa permitted by this Sccwity Instrument.•' "Notwithstanding a sale or hausfes. Borrower will coadave lobe obligated under the Note rend this Security Imaquaau unless Leda has relented Borrower i4 writW& -- P` ; ,^ F. LOAN CHANGES if the Ian securoii by the Security hntnhmemt is subject to a law wMch sets maximum loan thanes, and that law is finally interpreted so that the lateral or other Ivan chsrQee collected or to be collected in cossAwom Witt The loan exeeod perennial a ogk4 them: (1) any Amb !es^. - +� charge shall Ix reduced by the amount necessary to reduce the charge to the passritredl ]bait: and (2) any sums siheAdty collected from borrower which exceeded permitted Units wiltbt refunded to Borrower. Lender may choose to make this refund by reducing the principal owed undo the Wormer. If a refund reduces principal. the reductlon will be treated as a PMW prepWY=nl under the L"a Note or by mckia8 A direct payment to t9orrow � ... Note. -- �•;,00L, •r - ' •... Alta.. J'•:��. oa IN WrMM WNBRWF. Borrower roe aecutte trig Ad juslsble Bate Rider. XI (saw) Melvin W. Williams BORROWER Z 2.r�. - -J (Seal) Patricia D. Willi&*ORROWER (Seal) t' BORROWER (SIGN ORIGINAL ONLY) V 71 • ^• �' � � f � ere Cyr H � _. t.? r C r, r « c • (Seal) t' BORROWER (SIGN ORIGINAL ONLY) V rl Cyr H t.? r, LZI L_. tF�t F` I.• r , C. 1 v1 I G '