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D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant IS of the Security Instrument is amended to read as follows; 15. Uadterm sweatily lastrament; Governing Law; Severaldlity. This form of Security Instrument combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. This Security Instrument shall be governed by Federal Izw and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Security Instrument and the Note are declared to be severable. L TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: 17. Treader of the Property or a Bene€kiai lateeest is 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, Leader may, at Leader'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 not authorized by Federal law. Lender may waive the exercise of this option if: (a) Borrower causes to be submitted to tender information required by Lender to evaluate the intended tramfax as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lendcr'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 is 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. Linder may also require the transferee to keep all the promises and agreanents made in the Note and in this Security Instrument. "If Leader exercises such option to accelerate. L ender shall mail Borrower notice of aooeieratiat 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 Borrower may pay the sutra declared due. If Borrower fails to pay such sums prior to the expiration of such period, Leader 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 under the Note and this Security Instrument unless L esida has rtekased Borrower in writing." F. LOAN CHANGES If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and that law is that the interest or other roan firm so charges collected or to be collected in connection with the loan exceed permitted limits, then: (i) any such khan charge Shall be reduced by the amount necessary to reduce the charge to the permitted lust; and :Z) any sums already corrected from borrower which exceeded permitted limits will be refunded to Borrower. tender may choose to make this refund by reducing the principal owed trader 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 exemsed this Adjm t bk Rase Rider. a If r. "I M t3 'f 'v-4 ` otwrt 0. 'Hemet BORROWER —ethy F. `lust ` BORROWER BORROWER (SIG's ORIGINAL ONLY) co , Z: 3 a — K- y O J z 0 1 J