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D. UNIFORM SECURITY INSTRUMENT; GOYERNiNG LAw; SEYEBABH.17'Y Uniform Covenant I S of the Security Instrument is amended to read as follows: 1S. UttHorr 5eearltS tatarattsent; Govsalag Law; StveabBlty. This form of Security Instrument combines uniform covenants fw national use std troll-uniform covenants wi[h United variations by jurtadiction to constitute a uniform security instrument covering red property. This Security Instrument shall be governed by Federd law and the law of the jurisdiction in which the Property is looted. In the even[ that soy provision w clause of thtx Security Instrument w the Note eronfticts with appUobk law, such conflict dull not affect other pwvirioea of this Statvrity Instrumatt or the Note which an be given effect withou[ the eon8icting provision, std to this std the poviaioes_ of t6it-Settinigt Itstrument std [he Note are declared to be severable. E. TRANSFER OF THE ERMERTY OR A BENEFICIAL INTEREST IN BORROW~t Uniform Covenant 17 of [he Security Iutrument is atneoded to read r follows: 17. Trarfs of the rropMy w • BettMeW IrstereN h Banower. If all w any Part of the Property w an inttxest thnet5a-ice sold w traeafettad (or if a beneficial interest in Borrower is sold w transferred std Borrower is not a natural person) without lestder'e prlervrrittep-'tiawlN; Leader may. at Lends's option. declare aft the soma secured by this security Instrument to be immediately due and payable. Hasrever flea option shall not be exercised by Lender if exercise is not authorized by Federal Iaw. - If Linder exercises such option to accelerate, Lender shall mail Borrower notio: of accdsation in aotxxdaocr arit6 paragapb 14"fieaNlf. Ste6 notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower may pay-f6e-iuetadaCheild due.-Tt Borrower fails to pay such sums prior to the expiration of such period, Lender may, without tYutlter ttotios w dett+aad-on-lgarrower,-invoke any= remedies permitted by paragraph I8 hereof. Notwithstanding a sale or vansfer, Borrower will continue to be obligated under the Note and this Security lnstrttmeot tttdatsLeod~F-~W.~ released Borcows in writing. - _ F. LOAN CHARGES - Ifthe loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and that law li tirWly iMQpl'~7D dtrptL! - interest or other loan charges collected or to be collected in connection wi[h the Ion exceed ptrmitted Omits, then: (1) attyweh IoaLelsalgElllgM - be «duoed by the amount necessary to reduce the charge to the permitted Umit; and (2) any slum ahetdy CoIleQad from. Yotyowtc arhieti excetded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the prioeipal.avtadm[dClha?NOl! - or by making a direct payment to Borrower. 1 f a refund reduces principal, the reduction will be troted r a partial prcpaymentondeetYaMlale, - IN WITNESS WHEREOF. Borrows hr exeansd this Attjrtahk Rate Rider. `11ch2:eT-t2. ~~c zee BORROWER ,~' l"~_.. tom.. p ._~ Susan I. "c zee BORROWER .~ BORROWER ~) (SIGN ORIGINAL ONLY) w ~ ~~ " `^ o _i A j _ ~~~ ~ ~ c Y ._ -~ -+ 'r++ ' `r„ -moo -~ c~ •( _ nn tp O `. is L '~.~ ~~ti. ~~, .e - -~ ~~