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b.:�..:.. ,, 5 '�� - " - r• ` ' M lo��1��(r D. UNI�(I�M�CURN'Y INSTRUM�NTi GOVI�NIIVG�.AWi SItV�RA�TY U�fom Covw�at I S of tbe Sl�a�rlty leutru�a�at i��nxndd to n�d a tollow+: ii�iiii��eww7 i�:�.:;Cw��w.�a.wi w:wwiiiy.'Pi�is ftxpt ui S�Yt{[y IwU wuaui wmbinw wiliutu�w.awwi::ot ti.:lf:,Y'-�!t!e! �ad aoaunito�a oovw�nu wlth Umited vuiatioai by JuriM!lctim W caattitutr t ualfocat iecurity imtruia�nt Coru(n�tMl Ptoparty'ILf� r gKwity totttunMnt�11 bt ioverned by F�+d I�w and the l�w of th�juriidktion in whkh tht Proprly 0locat�d.In tUe ewat tlwt�ny prorWon or cl�we ot thl�Security lnatrument or the Rtote conNcti with appiicabb law,sach conNct�h�ll ao1 attect ahec provWau at thu S�vrity l�utturoa�t ar tM Note whkh can b��tvsn�ffat without ths conNctia�provi�ion.�nd to thia tnd the prov4iau ot thl�S�curltY . �mtruTent�nd ths Nots ut d�clated to bs avuabk. 6, 7'RANSI�'LR OF THB�ROrBRTY OR A 1ENL�F[CIAL IN'f�Al81'iN�O1tROWEJt Ualform Covea�nt 17 of the Sxudty Inttrument b amrnded ro read a folfows: 11,TwrtK ot tM fro�ty or�1�tieW I�M�t i�Do�rower.If dl or my put of the Property or�n interat the�eiu is wid or traiuferrod (or if t benetkW intueat in Honower i�soW or transferced and Borrower it not a n+uurtt perion)wlthout Lendec9 p�ior wdtten con�ent, l,ander msy.�t Lender'a opdon.doct�re�il the:ums secured 6y tid�Security Imtrument tu be immedi�tdy due and payabk.However,Ws opdon�haU not be euercised by Lender if aercix ic no[authaIud by Federd law.Lender may waive the e�cacise of this option if:(a)Borrower cawes to be tubmitted to Lender iniomudon requf�ed by Lende�to evalwte the incended trsiufera�a if a new ta�n were bein�made to ehe trws[aa;and(b)l.ander rawruibly detamina ttwt Lendec's security wlll not be imp�i�ed by the twn wumption and that tde risk o[tde b�e�ch of any c�overunt or ureement in th4 Secudty In�trument i:4ccept�bk to Lender. To the atent pamitted by applic�bk law,Lender maY chsrae�reasaublo ta as a conditlon to Lender's consent to the loan wsumptiou. Laidec may�Iw requim the transfaee to keep att the prwnise++uid�iraments m�de in the Note and in this Security Imuument. "If Lender exacisa such optlon to uakr�te,Lender shafl rtwlf Borcower notice of aceekntion in�ccordana with puapr�ph 14 haoof. - Such notia�il provide a period of not las thtn 3Q d�ys from the d�te the nodce is mailed witMn which Aorrower may puy the sums d�clued - due. lt Borrower fdls to pay such sums pdor to the eapirallon of such period.Lender may.wlthout furt6er notice�x demand on BoROwa� invoke u►y remedia permittod by this Security Instrumcnt." "Notwitlutandtn�a sale or transfer,Borcower wiU wnHnue to be oblt�ated under ehe Note and this Secatity lmtrun�ent unlas L.ea�kr has rek�ttd•Rorcowa in wriUn�.•• F. LOAN CHANGES If the losr►sceured by the Security Instniment i:cubjcet to a law which seb m�ucimum loan chu�a,�nd that taw ta finally interpraed so thnt the intetat or aher loan chu�a collected or to bc collected in connecRion with the laan exccad pecmittad ltmits,thcn:(1)�ny such lan ch�r�e shall be reduced by the amount neassuy to redua the charQc to the permitted limir,and(2)any:ums already rnlkcted from bonowtc __ which exooedrd pemdtted limiu wIU be tefUnded to borrower.Lender mry ch«ne tu nwi�c itiis refund by rtdutit�i2�p.Z�.^Spa!otttd t�sultr!!se Note or by makin#a direct pxyment to Baaower.If�rofund roduca principxl.the�eduction wfil be uated�s a patti�l preparinent w�de�the Note. IN WITN�B WHER60F.�orrower M�uexecuted tY4 AdJustabk R�te Wder. t�l ARL�N G. KRUEGE ORROWER ' (&eall EUELYN J. KRUE R BORRO tse�q — BORROWER (SI(3N ORIC}1NAL ONLY)