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D. UNIFORM SECURITY INS'fRIIh~NT;GOYERNINGLAW:9EVERABII;I7Y - Uniform Covenant ] 5 of the Security Instrtunmt is amended to read as follows: - IS. Ueitorm-Secar[tp-i~aatnem; t;oreraieg Lw;-SevenbdBty. This form of Security Instrument combines uniform covenants for national - ~ ttse.attd.mrn,unitbTnt covenants with.Iimited variations by jurisdicrion to constitute a uniform security iastrtwmt covering neat property. This Secucity?Instiument'shall be governed by Federal dew and the law of the jurisdiction in which the Propertty is located. In the event that any - pravisirtn'or claux-af this Secnrity-Instrument er the Notes conflicts with applicable law, such rnaflict shall not affeM other provisions of this - Sccuri[g insttvttumt of-the Kota which can be-given effect without the_conflic[iag. provision, and to this end the provisions of this Security Instrtunmrand the Note are declared to beseverable. - E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST [N BORROWER Uoiform Covertant 17 of the Security Instrttmmt is amended to read as-foilows: 17. Tratffi[er of thePropcrty or a Beae[kial Interest ie Borrower, if all or any part of the Property or an interest therein u sold or transferred (or if a beneficial interest in Bottower is sold or transferred attd Borrower is not a natural person) without Cinder's prior written-consent, Lender may, at Lender's option, dalare all the sums secured by this Security Instrument to be immediately due and payable.-However, this opt(on shat! not be exercised by Lender if exercise isnot authorized by Pederal taw. If Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hermf. 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 pazagraph 1 S hermf. Notwithstanding a sak or transfer, Borrower will continue to be obligated under the Note and this Security instrument unless Linder has released Borrower in writing. F. LOAN CHARGE5 - If ttieloan secured by the Security Instrument is subject to a law which sets maximum loan chazges, and that law is Finally interpreted so that the intues[ or oche loan charge collected ar to be collected in connection with the loan exceed permitted limits, then: (1) arty such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and Q) any sums already collected -from Borrower which exceeded permitted limits will be refunded to Borrower. Linder may choose [o make this refund by reducing the printapai owed tinder the Note or by making a-duett paytnent to Borrower. if a refund reduce principal, the reduction will be treated as a partial prepayment tinder the Note. IN WITNESS WHEREOF, Borrower has exeeoted this Adjustabk Rate Rider. ,-" r BORR R Franklin K. Roby +~~- BORON Birgit H. Roby (Seal) BORROWER (SIGN ORIGINAL ONLY) A a x •~+ m y °~ ~ ~ co - --'a,j ~: ~ -'~ ~~ -, ~ ~ Gt ~ ej z~~ ' _ ~~ _ f c~ [~ .~ ~~ ~~ .: ~~ ,~ rv ~ ttt °~, ~, .t c