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D. UNIFORM SECURITY INSTRUMENT, GOVERNING LAW, SEVERABILITY Uniform Covenanl IS of the Seturity Instrumenl is amended to rend as follows: IS. UnIForm Sf'(uril)'In.strumenl; GO\lemlng Law: Severability. This form of Security Instrument combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform securily instrument covering real property. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that Bny provision or clause of this Security Instrument or the Notl~ connicts with applicable law, such conflict shall nol affect olher provisions of this Security Instrument or the Note which enn be given effect without the connicting provision, and 10 this end the provisions of this Security Instrument and the Note are declared to be severable. F.. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenanl J' of the Security Instrument is amended to read as follows: 17. Transfer of the Property or a BeneficlaJlnlereslln Borrower. If all or any part of the ProperlY or an interest therein is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at Lender's option, declare all the sums secured by this Security Instrument to be immediately due and payable. However, this option shall not be exercised by Lender if exercise is nOI authorized by Federal law . Lender may waive the exercise of this option if: (a) Borrower causes to be submiued to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (h) Lender reasonably determines lhat Lender's security will not be impaired by the loan assumption and that the risk of the breach of any covenant or agreement in this Security Instrument i!. acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to keep all the promise~ and agreements made in the Note and in this Security Instrument. "If Lender ellercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hereof. Such notice shall provide a period of not less than 30 days from the dale the notice is mailed within which Borrower may pay the sums declared due. If Borrower fails to pay such sums prior 10 the expiration of .such period, Lender may, without further notice or demand on Borrower, invoke any remedies pennitted by this Security Instrument." "Notwithstanding a sale or transfer, Borrower will continue to be obligated under the Note and this Security Instrument unless lender has released Borrower in writing. ,. F. LOAN CHANGES If the loan secured by Ihe Security Instrument is subject to a law which set.~ maximum loan charges. and that law is finally interpreted so that the interest or other loan charges collected or 10 be collected in connection with Ihe loan exceed permitted limits. then: (I) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitled limit; and (2) any sums already collected from borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund 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. IN WITNESS WHEREOF, Borrower has n<<uled this Adjus1able Rale Rider. (}- '. . )~ -'t_ /1_ ~I/ /.-{ I 1.. it./. Edwin Hogle BORROWER (Seall ....,. (Seal) (Seal) BORROWER (SIGN ORIGINAL ONL YI t .;; '" C> '" " ,,~":J = "~~ in :0: ~-i3' ~ :L = =< ~ ~t wi " t' c; ftI ~ .:'? , o"'T1!:!.o ~ ~ ,1. ..... "'z I-' 01 ~~ ~ 0 0 -to ? t ;00 ~l ., ::x ~~ U1 ,,, ~ l.D <D. ~. ~ a ~ ", ~ )>- 1-' t '" U1 ZI ~ C}I '" Pj ~ ,::::.... ),' '1 I,.