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U <br />�s <br />D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY <br />U.wform Covenant l5 of the Security Instrument is amended to read as follows: <br />15. Ualform murky laor ment; governing Law; Severairitlty. This form of Security Instrument combines uniform covenants for national use <br />and naa- uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property: This <br />Secutfty instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any <br />provision or clause of this Security instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this <br />Security Instrument or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Security, <br />Instrument and the Note are declared to be severable. <br />E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER <br />Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br />17. Theta of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or an interest therein is sold or transferred <br />(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, <br />Leader may, at Lender's option, declare all the Burns secured by this Security Instrument to be immediately due and payable. However, this <br />optfoo shall not be exercised by Lender if exercise is not authorized by Federal law_ Leader may waive the exercise of this option if: (a) Borrower <br />catmer to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the <br />transferee; and (b) Larder reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of the <br />breach of any covenant or agreement in this Security Instrument is acceptable to Lender- <br />To the vacsit permitted by applicable law, Leader may charge a reasonable fee as a condition to Lender's consent to the loan assurapdon. <br />Leader may also require the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. <br />"If Leader exercises such option to accelerate. Lender shall mail Borrower not" of acceleration in accordance with paragraph 14 hereof. <br />Such notice shall provide a period of not tens than 30 days from the date the notice is mailed within which Borrower may.pay the sums declared <br />doe. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, <br />invoke any remedies permitted by this Security Instrument." <br />"Notwittustanding a sale or transfer, Borrower will continue to be obligated under the Note and this Security Instrument unless Leader has <br />reused Borrower in writirtg." <br />F. IRAN CHANGES <br />if the loan seared by the Security Instrument is subject to a law wbich seer maximum loan charges. and that law is finally iatapread 9n <br />that the i or other loan charges collected or to be collected in connection with the 101113 exceed permitted Insure, titer (1) say Seth loaa <br />� shalt be reduced by the amount necessary to taduoe the charge to the permitted limit; and (2) say sums already rnilecood from basto+eer <br />whist exceeded permitted limits WM be refunded to Borrower_ Lender may choose to make this refund by reducing the prin*al owed realer rite <br />Note or by malting a direct payment to Borrower. If a refund reduces principat. the reductim wffl be treated as a partial prepayment seeder the <br />- <br />NOW <br />IN WITNESS WHEREOF, Harrower has exacatd Nis Adjetahk Roe liner. <br />(seal► <br />7 e HL-imbud?PRROWER <br />alas tha M. Heimbuch BORROWER <br />BORROWER <br />(SIGN ORIGINAL ONLY) <br />co <br />i <br />D <br />3 <br />`5 <br />t <br />