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GOVERNING LAW; SEVERABILITY D. UNIFORM SECURITY INSTRUMENT Uniform Covenant 15 of the Security Instrument is amended to read as follows: Gov kwinann 15. Ugg sww* e, eraft Law; SeverabilitY. Thi s form of Security Instrument combines uniform covenants for national use and amuniform 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 provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Snmuity Instrument or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Security Jusuwnent and the Note are declared to be severable. L TRANSFER OF THE PROPERTV OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security instrumen t is amended to read as follows: 17. TravAlow of 68 prop"" or a Beneficial Interest 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 consent, Leader my, 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 Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender 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 agreement in this Security instrument is acceptable to Lender. To the extent permitted by appli&ble 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 Lender 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 sums 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, invokeany remedies permitted by this Security Instrument. "Notwithstanding a sale or transfer, Borrower will continue to he obligated under the Note and this Security Instrument unless Lender has released Borrower in writing." F. MAN 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 dLwW 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. 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 WITNESS WHEREOF. Borrower has executed this Adjustable Rate Rider. (Seal) RICK s. JOHNSON BORROWER lop 10 N, X BORROWER PATRICIA A. JOHNSON (Seal) BORROWER (SIGN ORIGINAL ONLY) Cn rri Q0