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<br />D. UNIFORM SECIRITY INSTRUMENT; GOVERNING LAW; SEVERAB[L[TY <br />Uniform Covenant 15 of the Security Instrument is amended to read as follows: <br />IS. Uniform Security Inatrameaq Gorerdug Law; SevenbWty. This form of Security Instrument combines uniform covenants for national <br />use and non-uniforvi covenants with limited variations by jurisdiction to constitute a uniform security instrument covering teat property. This <br />Security Instrumrnt shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any. <br />- provisiomoi louse of this Security Instrument or the Note conflicts with applicabke law, such conflict shall not affect other provisions of this- <br />Security-Instrument or the Note which can be given effeM without the conflicting provision, and-to this end the provisions of this Securiry <br />Instrument and the Note are declared to be severable. <br />E. 'rRAN5FER-OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER <br />Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br />17. Transfer of the Property or a 6eaetidai Interest is Borrower.-If all or any par[ of the Property or an interest therein is sold or transferred <br />(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's ptior.writ[rn consent, <br />Lender may, a[ Lender's option, declare all the sums secured by this Security Instrument [o be immediately due and. payable. However, this - <br />optionshall not be exercised by Lender if exercise is not authorized by Federal law. <br />[f Lender exercises such option to accelerate, Lendez shall mail Borrower notice of accelerafion in accordance with paragraph 14 hereof: Such <br />notice shalt provide a period of not Tess than 30 days from the date the notice is mailed within which Borrower may.pay the sums declared due. If <br />Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, invoke any <br />remedies permitted by paragraph 18 hereof. <br />Notwithstanding asale 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 CHARGES <br />If the loan secured by the Security Instrument is subject to a law which sets maximum loan chazges, and that law is finally interpreted so that Ute <br />interest or other loan charges collected or to be collected in connection with [he loan exceed permitted limits, then. (I) any such loan charge shall <br />be reduced by the amount necessary to reduce [he charge to the permitted limit; and (2) any sums already collected from Harrower which <br />exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note <br />br by making a direct payment to Borrower If a refund reduces principal, the reduction will be treated as a partial prepayment tinder the Note. <br />IN WITNESS WHEREOF, Borrower has executed this AdJustable Rate Rider. <br />THOM S E. NEVRIVY .B wsR (seal) <br />~ZL~~ i>- (.ZtvYtdt (Seal) <br />JANE B. EVRIVY BORRO R <br />(Seal) <br />BORROWER <br />(SIGN ORIGINAL ONLY) <br /> c, ~ <br /> c <br />. j ` ~ -. <br /> . <br /> <br />(f <br />S, \~ _..., <br />~. w ~ iu O <br />'~ N 0 N S O ~O <br />0 ~ <br />ha ~ <br />rn t t--' to <br />t~~f \~ ~ <br />~ <br />'~ ~ o <br /> <br />