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D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant 15 of the Security Instrumentls amended to read IlS rollows: 15. Unfrorm seautt)' IDltrumeDI; GovanlDI 1.1,,; SevenblUly. This form of Security Instrument combines uniform covenants for Rational use and non~unirorm covenants with limited variations by jurisdiction to constitute a uniform security instrument coverins real propeny. This Security Instrument shall be governed by Federal law and the law of the jurisdlcUon in which the Property is located. In the event that any provision or claU5c of this Security Instrument or the Note conflicts with applicable law. such conflict shall noL affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and 10 this end the provisions of this Security Inslrumcnt and lbe Note are declared to be sc:verable. Eo TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Unirorm Covenant 17 of the Security Instrument Is amended 10 read as follows: 17. Trader or tbe Property or a Benendallnterest In Borrower. If 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, Lender may, at Lender's option, declare all the sums secured by this Security Instrument to be immediatcly due and payable, However, this option shall not be exercised by Lcnder if exercise is not authorized by Federal Jaw. Lender may waive the exercise of this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluatc the intended transferee as if a new loan were being made to the transfcree; and (b) Lender reasonably determines that Lender's security wlll 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 to Lender, To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent (0 the loan assumption. Lender may also require the transferee (0 keep all the promises and agreements made in the Note and in this Secloiltj" Instrument. "If Lender CJ(erclscs 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 date the notice is mailed within which Borrowcr may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without funher notice or demand on Borrower. invoke any remedies permitted by this Security Instrument. ,. "Notwithstanding a sale or transfer. Borrowcr will continue to bc obligated under the Note and this Security Instrument unless Lender has released Borrower in writing." F. LOAN CHANGE'l If the loan secured by the Security Instrument is subject 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 penniUed limits, then: (I) any such loan charge shall be reduced by the amount necessary to reduce the charge 10 the permined limit; and (2) any sums already collected from borrower which exceeded permitted limits will be refunded 10 Borrower. Lender may choose to makc this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If It refund redUl."CS principal. the .-eduction will be treated as a panial prepayment under the Nole. IN WITNESS WHEREOF, Borrower has ca.cculed this Adjustable Rltf Rider. Oo'.'~'~m:; ~ ~~~~(~W) L ynett . Byrnes BORROWER (~al) (Seal) BORROWER (SIGN ORIGINAL ONLY) '"'" ::% "' ::J C>'" - ~~~!<1~ ~ l ~ ~~ Ii' II ~~~~r := ~ h.: t11 il g:\ CD:!, l> ":::z -: -.,J Sf '" QO => :z => -= F .. ~ , ff ~ "'" ~ 1\ \.v '\ ,. I ~