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i � - D. UNIFORM S�CIIRITY INSTRUMENT;GOVERNING I.AW;SIEVERAHlLITY Unifurm Covenant 13 of the Secu�lry Instrument is amended to read as follows: — � t3. Eduffora�acraritp tostrnmeat;Corcrnln�Lsx;Serern6Wt�.Tlds form of Security Instrument combinas uniform covcnants for n�tiona!use and noa•untfarm covenants with limited v�rixiions by jurisdictlon to consiitute u uniform security instrument covertng real protxrty.Thls Security Instrument ahall be Qoverned by Federal law�nd thc law of the jurlsdiction in wh9ch the Property is located. In the event that any pro�ision or cl�use of this Security Insuument or the Note conflicts wieh applicable law,such conflict shall nat affect ather pro�isions of this Secnrity lnstrumant or the Note whicn caa be�iven effect without the conflicting proWsion,and to this end the provisions of this Security Imtrument and the Note ue declued to be sevrrAble. �. TRANSFpt OF THE PROtEATY OR A 9ENEFICIAI.IN7EREST IN HORROWER Uniform Covaiant 17 of the Securlty Inatrwnent is amended to ratd as follows: � 17. 1tad�er of t�lroperq or a�eaetkhl I�terest l�Eorwwer.If all or any part of the Property or an interest therein is sold or tran�ferred � (or if a beneficial interat in Bonower is sold or trsasfened aad Borrower is not a natwal persoa)without Lender's prior written consent, Lender may.at L.ender'a opdon,declare all We sums secwed by this Security Instrument to be immedi�tely due and payAble. However.this opiian stu�lt nat ba�ercls�by Lender 9f�ercise is not authariud by Fr�cral law.Lendcr may waivr the�zcrcise of this optian if:(a)Banaww;cr causea to be submitted to Le�ader infora�ation required by Leader to evaluate the inteaded transferee ac if a new loan were being made to the tru�sfera;and(b)Leader rexson�bly deternilnes thAt I.rnder's security wIU not be impa6ced by the lou�assumpdon and that the dsk of the � breach of any covenuu or agreemens in this Secwity lnstrument 5s acceptable to l.ender. Fo the extent permitted'b�sappticable lav�.Lender mak chxrge a reasonable fee as a condition to Ixader's conseAt to thc loan assumption. . Lcnder may also reaaire the transface to keep aU the Dromises and agreements made in the Note and ir�attis Securlty Iaswment. . ! •4if Lendet eaercises such op�ion to acalerate.Lender shaU mail Borrower nodce of acceleratioa.�n accordana with paragraph 14 hercof. � • Such noace shall provIde a period of not Isss than 30 days from the date the nodce is mailed within which Borrower may pay the sums dcclarod :• due.lf Borrower fails to pay such sums pdor to the expiration of such period, Lender niay.without further nodce or demand on Borrower; . � invoke any remedias permitted by ihis Security Instrument." • � . � "Notwithstandin�a sale or transfer,Borrower will continue to be obligated under the Note and this Securiry Instrument unlas Lender has � released Borrower in writing." ... F. LOAN CHANGES . • � If the loan secured by the Security instrument is sub9ect to a law which sets maxlmum loan charges,and that law is finally inierprtted so �. � that the interest ar other loan chazges collected or to be collected 9n connection with the loan exceod permitted limits�then:(1)aay such loan : � � chuge shall be taluad by the amount necessary to reduce the charge to the permitted 6mit;and(2)any sums alrrady coUocted from borrowor ' .' ; �-- :. - - which e�tcxded eermitted fimitc will he refunded to Rorr�wer.l.ender ma ch.nnc�tti make hic r��m�1 hy rrrine�n�th��n�nnn�n}�yrri nn�1�r ih� ! ` y t..----E----- Note or by making a dirxe payment to Borrower.If a refund re�uces principal,the reduction will be treated as a parNai prepsyment under the �==� , Nota s IN WITNESS WHEREOF.Borro�rer 6as eaecated t6is Adjwtabk Itate Rider. ' C// � �� Cr i ewis BORROWER � C 1So� i�� (Seal) �arbara M. Lewis BORRO �..i�.,. �'�� ,�--�,. (�1) ` � • BORROWER • (5IGN ORIGINAL ONLY) r.y �, cn � �� � � tr� • � - ? � � � �� 4 ..•*� �� zA � y�j '.L' '� '. , �'� . �� '� �L. e� 1r' A O � n .7 :� __ _--_= � � rv �i � � " s� �,� L� R ;� �.� —� � _, � .� � �� -. • _ •• " � � j � � �� - _ y, � . � � � ' :.� ` �, � � `JJ T = � L . i � � � � �-, ,m � � � � . � �ti � � � , ►�. ., �- � � . �`�'��. �J