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I given by first class mail to l2nler's address stated herein or to such otrer address as l2nler may (I...d rt'P by not;jce to Borrowl!r as provided herem. Any notice provi.ded far in this Security InstroDent shall be deemed to have been given to I!orn:l<er or l2nler 10lhen given in tre IIDIlIer designated herein. D. UNIFORM DEED OF TRUST; GOVERNING LAW; SEVERABILITY t:hifODI 0m11ant 15 of the Security InsttuDent is aexIed to t'Mi as foll.ale: 15. l.NIFlBI IEED ~ 'IRiET; <DVERNIR; LAW; SE\IE1WlILIt'Y. This fom of Security IcstrlJllE!Dt c:azidDes uo:1fom aM!I.1II1tS fur natioml use and tn1"Ulifotm c:oveoants with limited variations by jurlJI(\i,:dOll to const:il:ute a lJ:lifom securlty instruIEnt ~ real property. This Seeur:tty I:nstI:uEDt-sbaU be govemed by federal law and tre law of the jurlRtli("tion in ~ the Property is located. In the event that aI\Y provisioo or clause of this Security Inst:rl.lllent at: the tbte conflicts with appllc.ahle law, such conflict shall !Dt affect other pt'OIIisions of this Security IDstruaeat at: the libte >tdclt can be given effect: witfua: tbe conflic~ provision, am to this eai the provisims of the Security Inst:ruIIenI: and the libt:e are declared to be severable. E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER lli1fom O:Nenant 17 of the Security Inst:nment is amm:Ied to t'Mi as foll.-: 17. TllAllSFER ~ mE m:l!'I!RTY CR A J!Elii:F1CIAL INIERESI IN !lalRalER. If all or any part of the Property at an interest therein is sold or tnmsferred (or if a bemficlal interest in l!orl:Dwer is sold or tJ:aDaferred and llo:lrrower is not a natural person) witlDut r.emer's prior writte:l CIXISSlt, I.ealermay, at: lender's option, declare all tbe SlIllS secured by this Security Inst:ruaent: to be u-iiately due 1DI f.8Y3ble. !bweYer, this opt:ion shall mt te elleI'cised by lender if exercise is tDt: autb:Jrized by Federal. laIi. If Lender exercises such option to aa:elerate, lender shall mail Borrower mt1.ce of acceleration in accor:daDce with paragraph 14 hereof. s..::h mtice shall provide a period of not less ttmI 30 days frail the date the notice is mailed wi thin Iot1ich llo:lrrower may pay tbe SlIllS declared due. If BorroliIer fail.s to ~ su::h SUIJIl prior to the expirat.ioo of such pericxl, Lenler may, wi thout further notice or d8BJd on Borrower, irM:>laa any m68dies pennitted by rarngraph 18 hereof. ,. F. COVENA.!.'T DELETED lbifom G:Nemnt 21 of the Security lnsmJlII!nt (i'uture Mvances") is deleted. G. LOAN CHARGES If tbe loan secure:! by the Security !nst:nmont is subject to a law wch sets max1nuIl loan clmges. and that law is finally inte:rprl!ted so trat the interest or ocher loan charg,es callec:ted or to be collected in conoectionwith the loan ~ pemitted limits, then: (1) any such 10mt charge shall be re:luced by the iDU1t ~ to mduce ere cl'liu'ge to ere p;!rm1tted 1.Imit; and (2) any SUE already collected fnD llorrower W.ch exceeded pet:ml.tted Llmitll will be rei\med to llorrower. lender my cOOose to IIIIke this retuni by r~ the pr:lJx:ipal Olollld caler the ~te or by IlIIldng a direct \lI}'IIII!l1t lD Borrower. If it refund ~ irlndpal, the redu::t.ioo will be treated as a \lII'tial ~t caler the ~te. H. LEGISLATION If, after the date hereof, etlIJICtllII!I'lt ur t!lCpirat.ioo of appllc.abl.e law have ere effect either of ~ the provisWos of the ~me, the Security lnatnlllent or this Adjustable Rate R1der (other tlm! this paragl:a!il G) uneoforo!!8bl.e aa:ordi.ng to ere1r tems. or all or any part of tbe ~ secured hereby lDX>llectable. as otherw15e pnMrled in the Secur1 ty Instnlllent and this ,\0:1 justable Rate Rider, or of dhainish.lng the value of Unit!r's security, then Lanier, at !alder's option, l'lI!lY declare all SUll9 secured ~ the Secul:ity lnstnlllent r" be !llIllI!dtate.ly due and payable. IN WInESS ~, Borrower ras e:mcute:l this M justahle Rate Rider. " r' " -bc~( I h n ,{, Scot t Lalllb (Seal ) -llOn:tl\oleI' .j :rt,.'; I ;j- j i /<,' '-;'-('1...-'7 !. (Seal ) -llOrrower Susan 1{. Lamb p :- l> m (,1 (Seal) -ilo=-r ..., ~ " :~; . 1Ji~~ (h1.y) ~ -~ i.->'" 110 E UJ I lOr tl. s, (1\";n . 4.~t n~a .i~ Jl't: 1 __--1 ~S,-~,'l.:;,_~ ~r.'l~,\'l G 2 L f.: 0 0 -E8 ON ~\j\~u;rU'O\j ittt p~';~JVj