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given by flrst class mail to Ien:ler's address stated herein or to such other address as lender may diesig)oa.te by notice to Po~ as provided herein. Any notice provided for :in this Security Instruoont shall be deaned to have been given to Bo~ or LeOO.er when given in tte manner designated heriili'l. D. UNIFORM DEED OF TRUST; GOVERNING LAW; SEVERABILITY Ui:rlform <hVe!:lant 15 of the Security InstrtmIent is <'IlIEl1'lded to regd as foJ.lot.ls: 15. UNIF<:RM IEED CF TROST; OOVERNIN:; LAW; SEVEMB1lJ.1Y. This fom of Security Inst:runent c.anbines Ulrlfcim covenants for national use and non-u:dform covenants with limited variations by jurisdiction to o:mstitute a unifonl1 securlty inst:r:uDent covering real property. 'lhis Security Inst:r\.m:!O.t. shall be . govetned by federal law am the law of the jurisd:iction in 'l\hich ~Property is located. In the event that any provision or clause of this Security Instt:unent or the fute conf1ic.ts. with appllCable law, sUch c:onf1i.ct shall not affect other provisions of this Security Instrl.a'ool:lt or the futeWhicl1 can be gJLven effect witlnut too cooflicti.r1g provision, ani to this ern tl:e provisions of the Security Instnment and the libt:e are declared to be severable. E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER UrUfarm Q:wE!lallt 17 or the SeCtlrity Instt'Ullel:'lt.i.sanerrled to read as follows: n. 'ffi.ANSFER OF THE P1IDPERTY OR A BENEFICIAL INIERFST rnromavER. If all or any part of ttEProperty oxr an interest tl"lerE>.1n is sold or transfe'!"t"ed (or if a beneficial intetest 'in Eb~isso1dor I:l:ransf:erred am Bornower is not a natural person) witln.it I.mxiet's prior Wrlttencot:lSl1lnt, lm:der my, at: taxler's opticn, declare all ttE SUlIS secured by this SecurityInstru.nent to be :In'medi:ate1y due and payable. lOe1er, this optioo shall rot be exerc:l.sai by Lenier if exerr..ise is rot authorizedby' FEideral law. If' Lelrlder e:mrd.ses such option to accelerate, I..erder shall mail Bo~ ootice of acceleration in ac:cordlmce wit:h~~ph 14 tErelf. Such rotice shall provide a period of not less than 30 days fran the <!site the noticelSi mailed within lJrlch ~r may pay the SUllS declared due. If BorrCl'lole1" ra:Us tOI pay slXh SI.II1S prim, to the expiration of SU('.i! peri.od, l.enier may ,witlnrt: further notice or dereD:l on Borrower, invoke 111117 raood:ies retmitted by pil'agraph 18 tEroof." F. COVENANT nELET1W Ixd..fotlll cAvenant 21 (If the Security Instnment ("Future Advances") is dt>~eted. G. iJ:)AN CHARGES 11 the loan secured by the Security lnst:nment is subject to a law weh sets max:imm loan clm:'ges, and that law is finally l.n'terpt~ted so that ttE lntE'.t'est or ottEr loan cl'lal:geS caUected or to be collected in CClInectian with the lomll exceed permitted limits, then: (1) any slX:h loan charge shall be reduced by the aIlOUI1t n<<'Je'SS8iry to rOOuce the charge to the pemitted limit; ;;trrl (2) any SUIIS already collected f1lan ~r W:W::h Eoo::ee:ied petmitted limits will be reIunded to &:>rrower. lL'rder may choose to make this refuni by reduclLt'lg; thie principal 0"Wed under ttE ~bte or by aaking a direct jXl)'llBlt to Borrower. If a refi.ni redu::es pr:in:ipal. the redlX:tion will be treated as a fl'irtial preteyment weier the ?bte. H. U~GISW\.TION If, ",..f:ter the date hleroof, eooctmen.t or ~piration of applicable laws have the effect either of ren:le.r1.ng the provisJ.ans of the t-bte, the Se::urity Instt'Ullellt or this hijustable Rate Rider (other than thris pI:lr~ptl G) IiJIltlnJEarceable accor:di.ng to their teIlllS, or all or any part of ttE SUDS secured hereby uacollectabl1e. as otherwisE~ prwidedin the Security lnsttUllent ani this tldjustahle Rate R::ider) or of diilllini.;stdng ttE '{&lIIe of lender's SIa.."urity, then U:!OOer. at Lender's option, may declare all SlIIIS St!Icured by the $ecuri t'lf lnstnneut to be il!11.ledi3tely due and ply-able. ~;) IN WIl'NESS ~ar, &:>rI'tlIoEr has e>>'!iC\Jted this Adjustable Rate Rider. :-". ):=11 Illl' (/)1 ."'i ~t1 l> r..'.~. / 7... .>> /,/.,6:"c~:i''Vr -- .. .,.,~#/ /' ~_ .... . i,~~ iJ- , ~ '.Larry E,; Fenton --CT (Seal) -Borro..er .~~i : -~--.\. SaIl i t~ A. , . - ~ t',:t\'~ F~nt~; , (Seal ) -Borrower ( Seal) ~~ (Si~ Or:ig:.j.ual (hI}') ~ {""'''::.! (t)- I.A) {''f''1 ";;') ;;~~ ~ .c-