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D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant 15 of the Security Instrument is amended to read as follows: 15. Valform Security Instraattent; Goveralog Law; 5everebi8ty. This form of Security Instrument combines uniform covenants for stational use and net- uniform covenants with limited variations by jurisdiction to constitute a uniform security 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 that any proves or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall riot affect other provisions of this Security Instrament or the Note which ran 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. Transfer of On Property or a Reneficial Infest 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 conaem, Lander may, at Lender'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 exerciu is not authorized by Federal law. If Lander exercises 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 Borrower may pay the suns declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, invoke any remedies permitted by paragraph 18 hereof. Notwithstanding a sale or transfer, Borrower will continue to be obligated under the Note and this Security Instrument unIm Lender has released Borrower in writing. F. LOAN CHARGES If the loan secured by the Security Instrument is subject to a law which sets ma,timum loan charges, and that law is finally interpreted so that the intarerc or other loan charges collected or to be collected in connection with the loan exceed permitted limits, then: (1) any such lose charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lynda 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 treated as a partial prepayment under the Note. IN WITNESS WHEREOF. Borrower bas executed this Adjustable Rate Rider. (Stag Daniel P. Baker BORROWER unmarried BORROWER (Seal) BORROWER (SIGN ORIGINAL ONLY) iL r ^t .4 I,t e�1v t..fl '! a