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D. UNIFORM SECURffY INSTRUMENT; GOVERNING LAW; SEVERABILITV Uniform Covenant 15 of the Security Instrument is amended to read as follows: M UNMOOR 10001W , , 4 Govesahng Law; St"mbillty. This form of Security Instrument combines uniform covenants for national use and noo uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real Property. This Seca tS+ hwn.,mumt shall be SnvmW by Federal law and the law of the jurisdiction in which the Property is located. In the event that any proYjslpp or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Seca ty Instrument or the Note which Can be given effect without the conflicting provision, and to this end the provisions of this Security Instrunwat and the Note arc declared to be severable. )G TRANSFER OF THE TROlL M OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument its amended to read as follows: 17. Transhr of tie Props K a Baussflcat lnslssast te Borrower' If all or any part of the Property or an interest therein is sold or transferred er's prior written (or if a beneficial interest in Borrower s sold or transferred and Borrower is not a natural person) without written consent, LMKW may, at Leader's option. declare all the sums secured by this Security Instrument to be immediately due and payable. However, this option shay 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 Leander information required by Lender to evaluate the intended transferee as if a new loan were being made to the transfers; and (b) Leader reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of the breach of any covenant or agreeman 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. Leader may also require the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. ,,If Leader exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hereof. of not less than 30 days from the date the notice is mailed within which Borrower may pay the sums declared Such notice shall a e Provide Period tile. if Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower• imvoke any ren"es permitted by this Security Instrument. ' "Motwithmanding a sale or transfer, Borrower will continue to be obligated under the Noe and this Security instrument unless Lender has rdewd 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 finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed permitted limits, then: (1) any such loan dwp shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already collected from borrows which exceeded permitted limits will be refunded to Borrower. Lender 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 WITN= WHEREOF. Borrower has executed tW Adjustable Rate Rider. �l x �+o1uJ (Seal) RROWER David L. Pieper :Z2 r" ` f (Seal) Kathleen R. Pieper BORROWER (Seal) BORROWER (SIGN ORIGINAL ONLY) a' A. L