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S4 -- i~UQ48(~ be. gavemed by federal law a~ law of the jurisdiction: in whirls the. Pmgerty is located. , Iie rlie event that.arsy provision or clause of the Seotaity Instrumazt or the Nate canflicts.vikh applicable law; .suds cocif7SCc. shall. not affect other.: provisions bf thin Security T~,:t,,.+w,r:-ar the Note which ran- he giveri °. effect.. without the: cenfli eting prouleion, and' to this': cad the pmvisiais of this Secaayty Inetrsiment and the Note are declared to be'severable. E. TRANSFER flF 'THE PROPERTY; OR A BENERICIAI: INTEREST IN BORROWER: Unifona CoveOasst 17 0£ the Seran-ity 7.natnmast is amended to-read as follbwa: - 17. '~anefer of -the.' Property-.or a Rpa,nfiria7 -Interest. in. BornwEr. :-If:-a11 or mry pert of the Property or an .interest thet+ein is sold br transferred (or i# a he<r_fi~tnt interest in Borrower is sold or transferzed and Borraxr is mC a ssatutnl`persoa} withosst Lender's prior written con.~t, IJeaier ~, at Izoder's option, declare all the arms secsnied. bg this Sean~ty TnQ+-,,,~,r to be ie.~viinra7y due- and payable. Hacae~er, this option- shall rot be. e~riised by LesYier if e~scise is rot authorized by FedetaL Iaw. if Lander emu,-i mr BUd1 Optim t0 afrPlar~ta~ LEndEr Sh811: uleil BOrrOriei. mt~Ce--Of: aCCelr=ration in aOCOrtianCe with paragraph-l4-hereof: Such mti;ce 5hall..provide-aperiod O£ rot:less.`th3n 30 days f;om the-date the mtice is mailed within-which Borrower rosy pay the sums.deelared,:due: if Borrocsss fails to pay suds sums prior to the expitatias of such Peri6d, Lender rosy; without fisrther tuptice ar demand on Borrower, invdre my reaedies permitted by paragraph 18 hereof:- Notwlthstardistg a sale or rrarxafar; Borrower will Oontisaie to be obligated snider-the Note and this Secau-S.ty Tnurnm+nr unless lender her tvleased Borrower in writing. F. NO FUTURE ADVANCES Norr{Tnifonn Coveaaat 21 of the Seon-lty T~~r,,,~x.,r (•'FLttse Advances"} is deleted: G. LOAN .CHARGES If the loan seamed by the Seeinity Instxtmait is subject to a ]aw cisic}s sets mexlmm loen;eharges> and ttelt lew is finally interpreted so that the interest or other loan clsarges,collerted'or to be collected in camection with the loan exi;eed permitted limits, then: (L}:any such loan cFsarge shall. be reduced by the arrant necessary to reduce the charge to the petudtted limits; and (F).-any :sums already collected from Hoxznwer which exceeded permitted lindts wilt be rmfinawi.to.Borrower:. Lender may chose co melee this reftmd by reducing the prinetpal owed under the Note or by ~ a direct paym®t to Borrower. If a refund reduces prixncipal, the reduction will be treated as a partial pzepaymasC under the Note. H. LEGISLATION If, after the date hereof, enactmast or expiration of applicable lore; have the. effect either- of renderiig the pravisiona Of the Note, the Sexnsity Inetnmmt or this Adjustable Paymast Rider (other then this paragraph H) uoenforoeable acrOrding to their tenor, or all or any part of the sums sensred hereby smcoltactahte, as othersrise provided in the Securitg lnstrumast and this Adjustable Pa}mpnt- Rider, or of dimi.rtd,t~ the value of iesder's security, then Lecder, at Lender's option, any delcare ali sine secured ~ the Sexasity Instr~t to be iaoediately due and payable. IN WTiSE4S tom, Borrower has e~oecuted this Adjustable Payment Rider. .f Y~ . :_~'r_>>. ~.~.:- r ..~rf- {Seal) ~'tx"i:;~ball _t.+Fry~t ,d -Borraer r ~-.a._., r~.;_. ''~ ~`~ (Seal) 1'arhara A. Frp ~ot'r (Seal) -Borrower (S~ ~Y) TMG-1105 (qc } {Page 2 } (New ii183)