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D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABHdTY <br />Uniform Covenant 15 of the Security Instrument is amended to read as follows: <br />13: Uniform Security Instrument; Governing Law; Seveea/Wty. This form of Security Instrument combines uniform covenants for national <br />use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. This <br />Security 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 confiding 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. Transferof the Property ors Beneficial Inert 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 />Lender may, at Lender's option, declare all the sums secured by this Security Instrument to be immediately due and payable. However, this <br />option shall not be exercised by Lender if exercise is not authorized by Federal law. <br />If Lender exercise such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hereof. Such <br />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 <br />Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, invoke any <br />remedies permitted by paragraph 18 hereof. <br />Notwithstanding a We or transfer. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender has <br />released Borrower in writing. <br />F. LOAN CHARGES <br />If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the <br />interest or other loan charges collected or to be collected in connection with the loan exceed permitted limits, then: (1) any such loan charge shall <br />be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already collected from Borrower which <br />exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note <br />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. <br />IN WITNESS WHEREOF, Borrower has executed this Adjustable Rate Rider. <br />tseal) <br />Dennis M. Walz BORIWWER <br />® /r; -,> -rr1 l N _j : , rx l,4 rSaw) <br />up BORROW <br />-4 Tammy L. Wap , <br />Aformerly known as Tammy L. Roepke <br />n <br />BORROWER (sew) <br />(SIGN ORIGINAL ONLY) <br />j <br />OD <br />z <br />f <br />