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D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant J5 of the Securlt)' Instrument is amended to rend as follows: 15. Uatlana IKUrlty hulrum~nt; Gonmlnlu"i Severability. This form of Security Instrument combines uniform covenants for national use and non-uniform covenaDls with limited variations by Jurisdiction to constitute B uniform sccurity 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 lbat any provision or clause of Ihls Security Instrument or the Nole connicts with applicable law. such connict shall not arreet other provisions of this Security Instrument or the Note which can be given effect without the connicting provision, and to this end the provisions of this Security Instrument and the Note arc declared to be severable. Eo TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security (nstrument is o.mended 10 read as follows: 17. TnDsrer of tbe Propel1y or I Benefidallnterest in Borrower. Jr all or any part of the Property 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, under may, at Lender's option. declare all the sums secured by this Security [nstrument to be immediately due and payable. However. this option shall not be exercised by Lender if ~ercise is nOlauthorizcd by Federal law . Lender may waive the exercise of this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intend~ transferee as if a new loan were being made to the lransferee; and (b) Lender reasonably determines that Lender's !iccurlty will not be impaired by the loan assumption and that the risk of the breach of any covenant or agreement In this Security Instrument is acceptable 10 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 promises and agreements made in the Note and in this Security Instrument. "If Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph ]4 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such period. lcnder may. without further notice or demand on Borrower, invoke any remedies permitted by this Security Instrument." "Notwithstanding a sale or transfer, Borrower will continue to be obligated cndcr the Note and this Security Instrument unless Lender has released Borrower in writing. .. F. LOAN CHANGES If the loan secured by the Security Instrument is subjcct 10 a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed pennitted limits, then: (I) any such loan charge shall be reduced by the amount necessary to redu..:e the charge to the permitted 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 treafed as a partial prepayment under the Note. IN WITNESS WHEREOF. Borrower he executed this AdJulllillblr R.le Rider, '" C. ~"""..;;f?~ _ +\f~~ (Seal) ~D Ju e D. Hehnke (Seal) BORROWER (Seal) BORROWER (SIGN ORIGINAL ONL YI cc:; co :z: = 0: g~ ,.. ~~~t;)~ ~ 10! ~~~i~ , ." z [WI-' ~~~ 0 r- :0 r- .. (Jl CJ>, tD ~~.. . CJ> .. CJ> e: Ji> ~~ ~ .~ ~r "f .:::- - ::z: f i a. i :- L ). : i !l '" \\1 '" I"~