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<br />D. UNIFORM SECURITY INSTRUMENT; GOYERNINGLAW; SEYERABILITY <br />Uniform Covenant IS of the Sceurity Instrument is amended to read as follows: <br />15. Ual/orm Scearlry laatrataeat; Gorenlag Law; SereraltWty. This form of Security Instrument combines uniform covenants for national <br />use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering-real property, This <br />Sceurity Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located: to the event that any <br />provision or clause of this Security lnstrumen[ or the Note conflicts with applicabk law, such conflict shall not affect other proviaions.of this <br />Security Instrument or the Note which can be given effect without tht conflicting provision, and to this ettd the provisions of this Security <br />Instrument and the Note are declared to be severable. <br />E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER <br />Uniform Covenant 17 of the Security Insttument is amended to read as follows: <br />17. Tnta/er o/ the Property or a Beaefkial-loterat is Borrower. If all or any part of the Property or an interest therein is sold or Darts/erred- <br />(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior writteatwnsent; - <br />Lender may, at Lender's option, declare all the sums secured by this Security Instrument to ba immediately due and.payabk.'However; ahis -~ <br />option shall not be exercised by Lender if exercise is not authorized by Federal law. <br />If Lender exercises such option to accelerate, Lender shag mail Borrower notice of acceleration in accordantx with paragrapfi-..14 hereof: Such <br />no[ia shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower may.pay'[he~~sttms~tfeclared due. If <br />Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or dtaaatd:on Borrower, invoke any <br />remedies permitted by paragraph IS hereof. _ <br />Notwithstanding asale or transfer, Borrower will continue to be obligated under the Note and this-Security lastrttmentunless Lender hu <br />released Borrower in writing. - <br />F. LOAN CHARGES <br />[f the loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and thatlaw-is Finally interpreted so that the <br />interest or other loan charges collected or to be collected in connection with the loan exceed permitted~limits; Ihm: (1) any such loan charge shall <br />be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any stuns already collected from Botrowtr which. <br />exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the jlrintipal.owed uttdtt the Note <br />or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a lutrtialprepayment unda.the~Note. <br />IN WRNESS WHEREOF, Borrower has excepted this Adjustabk Rate Rider. <br />~._/`-,~, _ [Seal) <br />ne L. Hill BORROWER: <br />~~ h 7~ /ilk (se,q <br />Emma N. Hil~ BORROWER- <br />(Seal) <br />BORROWER.:.. <br />(SIGN ORIGINAL_O2,I4Y} <br />G:~ ~. <br />rn <br />- .5l zc~~~tips <br />Y' _ ~ m. <br />- r'v ? ~ ~ O m <br />`J" tTl .~« <br />cn <br />^' cn ~ Z <br />0 <br />~~ <br />W <br />~h <br />