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� � D. UNIFORM SECURITY INSTitUMk:NT;GOVF,RNING I.AW;SEYF.RABIGITY Uniform Covenant 1 S ol'Ihe Security Instrumcnt is aincnded ta rcad as follows: � !S, 11Mfr►r�eecN�lty i�tr��ent;Gorer�ls�Law;SevenMNty.This f�rm of Sccurity I�strument cambines uniform covenants for natinnsl use and non-uaiform covenants wIth Itmited�ariations by Jurisdiction to cc�rt.ctitute a uaiform security iasuumeat wvering real praperty. Thls Security lrtstrumrnt sfiall be goverrted by Federal law xnd thc law oP the jurisdIctlon in which the Property is located. In the event that any provisioa or clausc oi this Sccurity Instrument ar thc Nata canflicts�vith appllcable law�such conflict shall not affect other provisions of thi9 • Security lnstrument or the Nale whi�h ean bo given effect wlth�ut the confiieting provision,and to this end the provlslons of this Securtty lastrument and thc No:e Arc decfxred to be sevcrable. � �. '!'RANSF�R OF THE AROrF.RTY OIt A BENRFICIAL INTERF.ST IN BORROWER Un1f'orm Covenant 17 of the Security Instrument is amended to rcad as follows: 17. Tra�efer oi tl�e Property or�Beaetk�l Interest in Borrawcr.If all or any part of the Property or an interest thcrein is sold or transferred (or if a beneficlal inte[est in Borrower is sold or tr.�nsf'erred and IIurrower is nat a natura!person)without Lender's prior wrltten consent, l.ender may.at Lender's aption,declare all the sums secured by this Security Instrument to be immediately due and psyable. However,this • opiiea shsll net be exercised hy 1_end�r if exarcisc is not Authori�cd hy Federal law.l.ender may waive th�exercise of thi9 optlon if:(a)Burrower ' causes to be submitted to Lender informatian required by Lender to evaluate the intended transferee as if a ncw lo�n wero being made to thc transfera;and(b)Lender reasonnbly determines that Lender's security wiU nat be impaireci by the laan assumprion and that the risk of the brach of any covenant or agreement in this Security lnsirument is acceptable to Lender. To the eatent permittetl by applicable law.Lender may char�e a reasonable fee as a mndition to Lender's consent to the laan assumption. I.ender may alsa requirc the transfcree to keep all the promice�and agreements made In the Note and in this Security Instrument. '•If Leader exe�cises such option to uccelerate. Lender sliall mail Borrower notia of acceteracion in accordance with patagraph 14 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed v►•ithin which Borrawer may pay the sums declared due,lf Borrower fails to pay such sums prior to the expiration ai �uch period, Lender may.«ithout further notice or demand on Botrower, ittvoke any remedies permitted by this Security Instrument." "Notwithstanding a sale or transfer.Borrower will continue to be obligated under the Note and this Security]nstrument unless Lender has . released Bonower in writing." F. LQAN CHANG�S � � lf the loan secured by the Security Instrument is subject tc��taw which sets maximum loan charges,and that(aw is finally interpreted so ; : ' that the interest or other loan charges collected or eo be collected in cc+nnection�vith the loan exceed permitted limits,then:(!)any such loan charge shall be reduced by the amount necessary to redure ti�e charge to the permitted limit;an�(2)any sums already collected from borrowet j .{� r,= which exceeded permitted limlts will be refunded to Borro��er.Lender may choose to make t�:s refund by reducing the principal owed under the ' Nau or by making a direct payment to Borrower.lf a refund reduces principal,the red�ction wilt be treatcd as a parEial prepayment under the ,:f Nota ° 1N WITNESS WHEREOF.Borro�rer h�eaecuted ihis Adjustabte Rate Rider. . , � .� , ' _ -; � ' (�) � Craig A iesau Bo ttowEtt �� zi�" Barbara 1. ierau ORROWER . ... ;� � �- � -- fSeal) �. � BOItROWER . � ' (SIGN OR[G[EVAL ONLY) - •� �.+. cri ,-> ,_,s �� ��. � n ,.`��1 �_:; � .., �� m�i � � `t �.— . , �3' ' . "i� : C/i '� s hs ' � e � � i� j� i� �� =� , '.� _I ,' �� r (J M : iY{ U) V, � ,� ,. . � . � � � � yj 1• .. � ' � � - - -__=- � � „ � .. , � %•y+ :.) � � � (_� ~• f_s \.i S/ �/� I- � �V �� ~ ��; � �1 ` � . L , . � � , . �, G �. ,. �Y � . .