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r D. UNIFIIIIM SECURITY iN3'CItUMENT; GOVERNING LAW; SEVERABH,tTY Uniform Covenant 1 S of the Security Instrument is amended to read as follows: 1S. UWwaaSensNy IaWttt~t; Gover~ittg Law; 9nenNNty. This form of Security Instrument combines uniform rnvenants for national use and non-uniform covenanu-with limbed variations by }urisdittion to constitute a uniform security instrument covering real property. This Security Instrument shag be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision-ar ctantk' of this Security lnatrttmertt or the. Note conflicts with applicable law, such conflict shah not affect other provisions of this Security Instrument ur the-Note which can be given effect withou[ the conflicting provision, and to this end the provisioes of this Security instrument and the Note are deciazed to be severable. & TRANSFER OF THE PROPERTY ORA BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Sxuri[y Instrument is amendedto read as follows: li. Trader of the thooerty or • BeaeBeht Lkreat U Borrower. If all or any part of the Property or an interest therein is sold or transferred (or if a beneficial intern[ in Borrower is sold or trartsferred and Borrower is not a natural person) without Lender's prior written consent, Lender rosy, at Lender's option, declare all the sums secured by this Security lns[cument to be immediately due and payabk. However, this option shall not be exercised by Lender if exercise is not authorized by Federal law. [f Lender exercises such option to accelerate, Lender shall mail Borcower notice of acceleration in accordance with paragraph l4 hereof. Such notice shall provide a period of not less than 30 days from the date the notitt 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 Borcower, invoke any remedies permitted by paragraph IS hereof. No[withstanding asale or transfer, Borrower will continue to tae obligated under the Note and this Security lns[rumem unless Lender has - releas~ Borrower in writing. 6. LOAN CHARGES If the loan secured by the Securl[y Instrument is subject to a law which sets maximum loan chazgn, and that law is finally interpreted so that.thr interest or other loan charges eolixced or to be collected in connection with the loan exceed permitted limits, then: (1) any such_loanciiargeahW- be reduced by the amount necessary to reduce the chazge to the permitted limit; sad (2) any sums already collected from-Borroarer_ which- exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principa- owed tutder the Note or 6y rttaking a direct payment to Borrower. i f a refund reduces principal, the reduction will be treated as a partial prepayment under.thCNote. [N W ITNE65 WHEREOF, Borrower has executed this Adjastabk Rate Rider. Robert L: Berxy BORROWER (~) (SIGN ORIO12yAL-0NL,1~ c~':s ~-t .~,5 .. _ ~ ~ .. '-'t ., „•ra: to ~; c ~, ~~ ~ ~ o - v, ~Y~ - -~'. ~ ^^t ~~ ~ ~ . Q ~, ~, o D a