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I faith contest such lien by, or defend against enforcement of such lien in, legal proceedings which in the opinion of Lender operate to prevent the enforcement of the lien. or forfeiture of the Property or any part thereof; or (c) shall secure from the holder of such lien an agreement in a form satisfactory to Lender subordinating such lien to this Security Instrument. If Lender determines that all or any part of the Property is subject to a lien which may attain a priority over this Security Instrument, Lender shall give Borrower a notice identifying such lien. Borrower shall satisfy such lien or take one or more of the actions set forth above within ten days of the giving of the notice. C. NOTICE Uniform Covenant 14 of the Security Instrument is amended to read as follows: 14. Notice. Except for any notice required under applicable law to be given in another manner,(a) any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by first class mail to Lender'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 Instrument shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABIUTY Uniform Covenant 15 of the Security Instrument is amended to read as follows: 15. Uniform Security Instrument; Governing Law; Severability. This form of Security Instrument combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Security Instrument and the Note are declared to be severable. E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or an interest therein is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior wriuen consent, Lender may, at Lcnder's option, declare all the sums secured by this Security Instrument to be immediately due and payable. However, this option shall not be exercised by Lender if exercise is not authorized by Federal law. If Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 14 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower may pay the sums declared due, If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, invoke any remedies j,ermiued by paragraph 18 hereof. Notwithstanding a sale or transfer, Borrower will continue to be obligated under the Note and this Security Instrument unless Lender has released Borrower in writing. F. LOAN CHARGES I- U <l: a:: I- m m <( If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan " exceed permitted limits, then: (I) any such loan charge shall be reduced by the amount necessary to reduce the .0.\ charge to the permitted limit; and (2) any sums already collected from Borrower which exceeded permitted limits will \.l) Q be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed 'under the Note or ~ by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial .' prepayment under the Note, ....; " \,' (") 111. ~ : :!l:. l..: r-_,," <;': i ( i -{,. . l"if~ 'I E ~ \. -' ';~.'.; =..... .~ ~ he..,J , l:. .2 2l 'Ji; "'~:, l~. ~-; ~ It:., _:~~ I".'. ~ ~ z "':"". "-... r:, I ~ ':: -~M if:;'';; '{(.(I ~~ 4I1J. 4Ii!'~ .. IN WITNESS WHEIlEOF, Borrower has executed tbis Adjustable Rate Rider. ~ ' , .. W'" ........ ../.:I..~.. Gary A itch /. / .-n 1 / # /'A+', ........,~,b.....(...:C~_z.?:(,.d-7. ....... Beth A. Fitch t.C '" = 'J '1 ~~ ~: \>,-_.~ ~ 'j ~-t ....(Seal) 4Borrower :>::: <X ....................(Seal) -Borrower <:::I <"'> <..::> = c:: , ' , <;> \'~~ ~ ......(Seal) -BorroW8l (Sign Original Only) II