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d3-0036S<,L given by first. classrnail to le!rler~ s address stated herein or to such other address as lender may designate by notice to Borrower as provided herein. Any notice provided for :in this Security Inst:rl:m:!nt shall be ,deelled to rave been given to Borrm.er or le!rler INhen given :in tre manner designated herein. D. UNLFO!UofDEED OF TRUST; GOVERNING LAW; SEVERABILITY Urlf01:lllCbvel:lant. 15 of the Security Inst:rurent is amended to read as follOO5: 15'T.NIFCl!MEEED <F 'IlU.BT; GJVB1.~ lAW; SEVERABILl1Y. This fOIlll of Security InstrunentcClDbi.res mifoIlllcovenantsfor national use and DO!l-'I.lI1ifOIlllcovenants withl.imitedvariationsby jurisdktion'to COD$titutea.umfoIlll security instrunentcO/er1ng real pr<>perty. This Security Instrunent shall be governed by federaJ.lawandt:he law of tre jurisdicti.onin -mchtrePropmyis located. . In the event that> anyprov1lil:touor clause of this Security Instrunent or the N:>te conflicts with applkable law, stx:h conflict sha:l1. rl)t affect other provisions .of this Security Instrunent or. tre }bte which can be g:f.Vf.n effectW,itrout too conflicting provision, ar.d to this errl too, provisions of the Security Insttunent and, the thte are declared to be. severable. E. TRANSFER OF THE PROPERTY OR A BENEnCIAL r,,'TEREST IN BORROWER thifot!'ll Covenant 17 of the Security Instrunent is ane:ded to read as foUoos: 17. 1RA!Ii"SFER OF 'mE ffiOPElt'IY OR A BENEFICIAL INmRF.sr L~ B<FRCWER. If all or any part of the. Property or an interest trerein is sold or transferred. (or if a beneficial i.nterest in Bo~ is sold or transferred ar.d Bo~r is not a natural ~:rson) without lender's prior written consent; lender may, at Lenier's opdon, declare aU the suns secured by this Security In.<;trunent to be inmediate1y due and payable. lbwever, this option shall not be ex:ercise:l by T.eooer if exerdse 1s rot auth:>riu:d by Federal law. If Lender exerc:l..ses such option to accelerate, Lender shall mail Borro~r mtice of acceleration in accordance with paragraph 14 reroof. Such ooti<'.e shall provide a period of mt less than 30 days frem the date the notice is mailed within weh Borro~r may pay the SlJllS declared. due. If &rrrower falls to pay soch SlJll8 prior to the expiration of such period, Lender may, w1toout further mtlee or danan:i on Borrower, invoke any remedies rermitte:l by paragraph 18 hereof." F. COVENANT DELETED lhi.fum O:wenaitlt 21 of the Security Instrunent ('"FUture ,'ldvances") is deleted. G. LOAN CHARl:;ES If the loan se:::ured by the Security Instrunent is subject to a law wch sets max:imtm lo.1n charges, and that law .is fiJML1.ly interprete:l so that the interest or other loan charges callecte:l or to be collecte:l in conrec:tion l:.nth the loan exceed rermitted limits, then: (1) any soch loan charge stw.l be re:hx:ed by the aDlJU'lt nece~lSary to reduce the charge to the per:mitted limit; an:! (2) any gUllS already collected f1'aIl Borrower l.tlich ~oo::eeded rermitted limits will 00 reiunded to Borro..er. l.erder may crmse to make this refuni by redoc:Lng the prioc1pal ~ un:Ier the N:>te or by unldng a direct plytlBlt to Bo~ . If a refund reduces princl?':ll, the redoction w111 00 treated as a plrtial prepaya8lt lI'lder the N:>te. H. l.EGISLATION If, .liter the d.ate hereof, enact:l:oont or <:!Xpiratiofl of applicable' laws have the effect either of r:en:iering the jprovisi.oos of the Note, the ~urity Instnment or this Adjustable Rate Rider (other than th1sparagrati1 G) UIlI::ntorceable according to their teI1IlS, or aU or any part of the suns secured hereby UJX()llectable, a,s otherwise provided in tre Security InstI\l1lent aId this Adjustable Rate Rider, or of diminishing the value of Len:ier's security, then Len:ler. at: Lender's option, may decl4re all suns sec\lr1!i:d by the Security L'lStrl.l!lent to re imnediately due and payable. IN WrrN:SSWfERE(f', Bo~r has execut:ed this Adjustab1eRate Rider. " . - -... '1' /t,' ;' , ." ' /."--' l,/c.}]I,,'\/7'-lr ( Seal) -Borrower /I:! ,'. /' .....1 t,.,/') ../"..<1x."J.:>(..'-" /l , ~n~~16 J) cim~7 ,./.. ~, OUv; N~; CimIno (Seal) -Borrower (Seal) --==!3Orrower (Sig11 Original ooy)