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D. UNIFO111M SECURITY INSTRUINENT; GOYFJEN/NG I.AW; SEYERABILITY Uniform Cr. vrnaet LS of the Security Instrument is amendai to read as follows: IS. Udforra Setvity Ir[n~eeh GoverNes ILew; f3erenMflq. This form of Security Instrument combines uniform covenants for national ': ~ use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering «al property. This Security InsWment shall be governed by Federal law and ttte law of the jurisdiction in which the Proputy is located. In the event that any - proviaat or cla[tre of this Security Instrument or the Note conftirts with apphcabk law, such conFlict shall not affect o[ha provisions o[ this Security-lnatrament or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Security Itstrument and the Note are declared to be sevuable. & TRANSFER OP TAE PROPERTY OR A DENEFIC/AL INTEREST IN BORROWER Uniform Covenant 11 of the Security Instrumrnt is amended to read as follows: Pl. Tnrier of tYe Property or • BetttNkW letetett fe Borrower. if all or any part of the Property or an intuest thuein is sold or transfured (or if a treneficiil interest in Bortowu is sold or transferred and Borrower is not a natural person) without l.endu's prior written consent, Lendu may, a[ Lender's option, declare all the sums secured by this Security Instrument to be immediately due and payable. Howevu, this option shall not 6e exucised by Lendu if exucise is not authorized by Feduil law. If Lender exercises such option to acceluate, Lender shall mail Borrowu notice of acceleration in accordance with paragraph I4 hueof. 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 stuns declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without furthu notice or demand on Borrowu, invoke any remedies permitted by paragraph l8 hereof. Notwithstanding asale or transfu, Borrower wilt continue to be obligated undo the Note and this Security Instrument unless Lendu has released Borrower in writing. F. LOAN CHARGFB If the loan secured try the Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interprutil so that the interest or other loan charges collected or to tre collected in connection with the loan exceed permitted limits, then: (i) any such loan chargtshill lx reduced by [he amount necessary [o reduce the chazge [o the permitted timtt; and (2) any sums already collected from Borrowu whitdr exceeded permitted limits will be refunded to Borrowu. Lender may choose to make [his refund by reducing the principal owed undo the Note or by making a direct payment to Borrowu. If a refund reduces principal, the reduttion will be treated as a partial prepaymrnt undo [heNote. IN WITNESS WHEREOF. Borrows has exeeetrd this Adjeetabk Rate Rider. r ,'i,l~ ~ ` ~,U~( f(~ (scat) ?~f~ye L~. IJodehnal BORROWER -/A~i ~ ~ ~r<z~~i fseap iCatYil ePn ~. '~cldehna~RROWER (S~) BORROWER (SIGN ORIGINAL ONLY) :"q ' ' .` - _ m ~ ' 'n . .. . ~ r: ~ ~. ~_ 2 ~ a . .... 1...,. ~. c] CJ t '',ln~ ~ S ..T ~, ~ ~ ,S o `~, 4