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B. UyW0MS0cLWM INSTRUMENT: GOVERNING LAW, SEITAL4KL irn' <br />Uniform Covenant 15 of the Security instrument isamended to read as follows: <br />LVANM swoft IMUMM14 G*veFmft L", Sgverablllty. This form of Security instrument combines uniform covenants for national use <br />and non4ulftm covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. This <br />Secgtity, , Iggausnent shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any <br />F 11 r afficts with applicable law, such conflict shall not affect other provisions of this <br />provision d clause of this Sectufty instrument or the Note co <br />Security'Instrument or the Note winch can be given effect without the conflicting provision, and to this end the provisions of this Security <br />Instruwatt sad the Note am declared to be severable. <br />L TRANSFER OF 7= rROMM OR A BENMOAL INTEREST IN BORROWER <br />Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br />Ill. Tamida of dw p."M ly or a agedleW In"W" in sowower. If all or any part of the Property or an interest therein is sold or transferred <br />(or if & beadicial 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 ft sums secured by this Security lns..:ument to be immediately due and payable. However, this <br />option studl not be exercised by Lender if exercise is not authorized by Federal law. Lender may waive the exercise of this option if- (a) Borrower <br />catmies 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) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of the <br />brout.ofany covenant or agreement in this Security Instrument is acceptable to Lender. <br />To the extent permitted by applicable law. Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. <br />Lender 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 notice of acceleration in accordance with paragraph 14 hereof. <br />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 <br />due. 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 />"Notwithstanding a sale 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 CHANGES <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 <br />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 <br />charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already collected from borrower <br />which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the <br />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 <br />Note. <br />IN WITNESS WHEREOF, Borrower has executed ibis Adjustable Rate Rider. <br />(Seal) <br />GEORGE D. BARTENBACH BORROWER <br />(Seal) <br />MARLA TN��!�ORROJErRck� <br />(Seal) <br />BORROWER <br />(SIGN ORIGINAL ONLY) <br />00 rn <br />R <br />.10 <br />