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v. uN>ffola-r sECtfRrrY BvsnluMENT; GovERNING LAw; sevERAB1uTY Uniform Covenant 13 of tluSecurity Instrument is amended to read as follows: IS. UtsUara BaerMy Itrahtrmenh Coveralag Law; Se-arahWry. This form of Security Instrtmtent combitte uniform covenants for national use-and tton-urdfornt wvtaants with limited vsriadana by jurisdiction [o wnatitute a uniform security instrument txtverutg real-propptr, 7tiis Seprrity~lnstruntem shdi~-be govetrxd by Federa! law and the law of the jurisdittion in which the Property is located. (n theeveM thu:any provision or clause of thia~ Setatri[y Instrtment or the Note con[licts with applicable law, such eoufltct shall not affec[ other provision of this- Seearity Jnstrutoent err the-Note which. can be given effort without the wntlictiag proviaon, and to [his end the provisions of-tbis Savrity Instrumem and-the Note are declared to be severable. & TRANS1tER OF THE PROPERTY OR A BENEFICIAL INTERF3T IN BORROWER Umfntm Covenant ! 7 of the Sa:urlty instrument is amended to read as follows: 17. Teander of the P-aprty err a Bendieial latereat is Borrower. If a0 or anY part of the Property or an interest therein is sold or transferred (or if a beneficial interest is Borrower is sold or tranferred and Borrower is not a natural person) without Lender's prior written txnsen[, Lender may, at Lender"s option, declare all the sums seared by this Security Instrument to be itttmediately due acrd payable. However, this option shall not be exercised by Lender if exercise is not authorized by Federal law. [f Lender exercise such option to aceelecate, Lender shall mail Borrower notice of acceleration in accordaotx with puagraph.l4 hereof. Such notice shall provide a period of not less then 30 days from the date the notice is mailed within which Bortower may pay the sums declared due.. If Borcower fails to pay such sums prior to the expiration of such period, Lender may, without fur[her notice or demand on Horcower, invoke any remedies permitted by paragraph Ig hereof. Notwithstanding asale or transfer, Harrower will continue to be obligated under rho Note and this Security Instrument unless Lender hu released Borrower in writing. F. LOAN CHARGES if the loan centred by the Security Instrument is sutrject to a law which sets maximum loan charges, and that law is finally imerprettd so that the interest or other loan charges collected or to be collected in wnnation with the loan exceed permittexi limits, then: (1) any such loan charge shall be reduced by the amount necessary to reduce the charge to the pcrmited limit; and (2) any sums already collected from Borrower whie6 exceeded permiaed limits wilt be refunded to Borrower. Lender may choose to make this refund 6y reducing the prinapal owed tmdc-the Note or by making a direct payment to Borrower. 1 f a refund reduces principal, tht reduction will be treated as a partial prepayment under the Note. IN WITNfS9 WHEREOF, Borrower bas exentcd this Ad)as4bk IWe Rider. /, Claniel W. Kubit BORROWER"': r i . ~v""' L~ ` ~ ~~~' ~ Ci, ~' t-u Seat) ~armeila T. Kubit, HORROWER iv; . Ly Daniel IJ. Kubit, her attorney in tact (Seep BORROWER (SIGN ORIGINAL ONLY) m m Ca ;,> .~ ' T ~ ~ D ~.~ ~ -=f~- o R ~; ~ `-f m c yr ~ o >, ~~ w~: f