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._ri__.. . � ... � D. UNIFORM SECURlTY 1N9TRUMENT;GOVERNING LAW:SEVERABILITY Uniform Cavenarit!S of thc Security Instrument is amendcd to read as fallaws: � 1S. Unifon++�crurity lmtrprt+reh,Gorernlas I.a�;Sevtr�b!!lty.Thls form of Security lnstrument combincs uniform covcnants for national use stnd nan•uniform crnenama witfi limiteci vAriati�ns by jurisdicti�n t�constitute a unit'orm secntlty instr�ment eavtring reel proptrey. Thts Security lnstrument shall be govemed by FederallAw and the!aw af the Jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or ihe Note conflicts with applicable Iaw,such conflict shall not affect other provisions of this Security Iostrument or the Note which can be given effect wlthout the conflicting provision,and to this end the pravlsions of this Security lnstrumcnt and thc Note are declared to be severable. � E. TRANSFER OF THE PAOPERTY OR A HENF.FlC1AL INTF.RFST IN BORROW�R ' Uniform Covenant 17 of the Security Instrume�t is amended to read as fallo�vs: : 17. Traa+ter ot Ibe Property or a Beeefklal Interest in Borrower. 1P all or any part of the Ptoperty or an interest therein is sold or transferred i (or if a beneficial interest in Sorrower is sald or transferred und Borrower is not a aatwxl person)without Lender's prior writtea rnnsent, i.ender may�at Lender's option,declare all the sums secured by this Security Instrumsnt to be immedlnt�ly due and payable.However,this � option shall not be exercised by Lender if exercise is not authorized by Federal law.Lender may waive the exercise of this option it':(a)BarroMer � cxuses to be submitted to Lender information required by Lender to evaluate the intended transfera�s if a new loan were being made to the � vansfora;and(b)Lender reasonably determines that Lender's security will not be impaircd by the loan assumpNon and that the dsk of the breach of any covenant or agreement in this Security I�strumcnt is acceptable to I.ender. To the mctent permitted by applicable law.Lender may�charge a reasonabte fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to kcep ap the Qramises and agreements made ln the Notc and in this Security Instrument. ; "If Lender exercises such option to accelerate,Lender ahall mait Harrower notice of acceleration in accordance with paragraph 14 hereof. I Such notice shall provide a period of not less than 30 da�•s from the date the notia is mailed within which Bonower may pay the sums declared � due. lf Borrower fails to pay such sums prior to the expiration of such per�od,Lendar may, without further notice or demaad on Borrower, invoke aay remedies permitted by thic Security lnstrument." "Notwlthstanding a sale or transfer,Borrower wiil continue to be ubligated under thc Note and this 3ecurity Instrumcnt unless Lender has . relased Honower in writing." ' F. LOAN CAANGES � � lf the loan secured 8y the Security Instrument is subject to a law which stts maximum loan charges,and that law ic�nally inierpreted so % = that the interest or other loan eharges collected or to be collected in connectlon with the loan exceed permitted limits,then:(1)any such loan � " charge shall be reduced by the arnount necessary+to rcduce the charge to ihe permitted limit;and(2)any sums already collected from borrower • .--�� . ,. -" -; wiricn exceaneo permitted iimits wiil oe raiandeci to tsorrower. Lender may Choose to make this rei�und by reducing the principal owed under the � ' ` � Note or by making a direct payment to Borrower.If a refund reduces principal,the reduction will be treated as a partial prepayment under the � Note. ''� i � IN Wl'fNFSS WHEREOF,Borro�ver hss executed this AdJustAble Rnte Rider. � . � , � �. . � . (Seal) � D Lorna J. Helzer eORR ER . � � � t �� _.— � � � BORROWER '�` , � . , "�` • �. i. ' � (Seal) � BORROWER . � (SIGN ORIGINAL ONL '._ � ' i ., i • � � - �- �'+ . n • ..,. �,-p �,': � rl Ch - . "7 � .;� C G7�! � : m ? � "' � y 3 � a ,� S ( -_.-- c . . . � � '- . I � n n _ r:, (� � � i�i y ' L7 • � .� � f) y "S �Z k_ `,; � �C � ' o =- ; .. i ; fl x . j n �,� - " C7 ' . r , � _ _ r' L � � � � `� �� � � , � . r . , , �» . �� . � ,, �