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r 83-005022 effect' without the confticting provision, and to this end the provisions of this Security Instrument ami the Note are declared to be severable. E. TRANSFEROFTBE PROPERTY; ASSUMPTION. Unifonn Covenant 17 of the Security Instrument is amended to read as follows: 17. liiIIIsfer of the Properly; Assumption. If all or any part of the Property or an interest therein is sold or It'Iinsferred hyBorrower without Lender's prior written cOllsent, excluding (a) the creation of a lien or encumbrance subordinate l<>thia security Instrument which does not relate to a transfer of rights of occupancy in the property, (b) the creationofa~ money security interest for household appliances. (c) a transfer by devise, deScent or by pperation of iawupon thedeathiof. a joint tenant or (d) the grant of any leasehold inrerest of ihree years or less not containing an option to purchase'UI1der may. alLender's option, declare alI the sums secured by this Security Instrument to he immediately due and payable. Ifl.ender exercises such option to accelerate, Lender shall mail Borrower notice of accelerationinaccordaJlce"with' paragraph 14 heroof. Such notice shall provide a period of not Ie.. than 30 days from the dare the ,notice isiniUJed'within which Borrower may pay the sums declared due. If Bon'Ower fails to pay such sums prior to the expiration of such period, Lender may,. withont further notice or demand on BOn'Ower, invoke any remedies permitted by paragraph. 18 hereof Lender may consent to a sale or transfer if: (l) BOn'Ower causes to he submitted to Lender infumalion. requiredlly Lender to evaluate the transferee as if a new loan were being made to the transferee; (2) Lender reasonablydetenninesthat Lender's security will not be impaired and that the risk of a breach of any covenant or agreement in'this Security Insrrument is acceptable; (3) interest will be payable on the sums secured by this Security Instrument at a rare acceptable to Lender; (4) changes in the terms of Ihe Note and this Security Instrument required by Lender are made, including, forexaml'le; periodic adjustment in the interest rale. . differem final payment date for the loan, and addition of unpaid inrerestto principal; and (5) lhe transferee signs an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreemenL' made in the Note and in this Security Instrument. as mndified if required by Lender. 10 the extentpermilkd by applicable law, Lender also may charge a reasonable fee as a condition to Lender's consent to any sale or transfer. Borrower will continue to he obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. F. BORROWER'S RIGHT TO REIN!>'TATE Non-Uniform Covenant 19 ! "Borrower's Right to Reinstate ") is amended to read .s follows: 19. Borrower's RIght 10 Reinstate. NotwithStanding Lender's acceletabon of the sums secured by this Security lnstrument. BOn'Ower shall have the right to have any proceedings begun by Lender to enforee this Security.lnstrumenl discontinued only if applicable law so provides. Any right to reinstate shall be exercised in the manner required by such law. G. NO FlJTURE ADVAN<:ES Non-Unifonn Covenant 21 of the Security Instrument ("Future Advances") is deleted, H. WAN CHARGES If the loan secured by lhe Security Instrument IS subject to a law whicb sets maximum loan charges. and that law is finally interpreted .olbat the interest '>r other loan chatges mllected or III be wllect.cd in connection with the loan exceed permitted limil>, then: ( I) any such loan ,'harge shall be reduced by the amount nec~"'ry to reduce Ihe cbarge to the pemlittcd limits; and (2) any sums alreody collected fmm Bom,we, which esceeded permitted limits will be refunded to Borrowe,. Lender roay choose 10 make this relund by reducing the llfincipal owed under tbe Note 0' by making a direct payment to BOn'Ower. If a refuntl reduces principal. the reduclion will be treat,o(! as a partial prepayment under the Nole, I, LEGISLATION If, after the date hereof. en""tment or esplmtl<," of applicable laws have the elfec! either of rendering the provisions of the Note, the Security In''nllnent or thi, Adjustable Rate Rldeqmher ,han this paragraph II unenforceable according to their tenos. or all or any pan of the sum, ,,"cured hereby unenUcctable. as otherwise provided in the Security Instrument and this Adjuslable Rate Rider, 0' of diminishmg the value of Lender's security, then Lender. at Lender's option, may deelare all swns secured by the Securi!)' Instrument to t>., immediately dlle and payable. IN WITNESS WHEREOF. Borrower has e'ecut~ this Adj\l"tab1tfaymem Rider. '../ j" ~i;tlrr2JJ';i!;(;~;' ... / '''' ...~ ~ J, ":''; '. ,,- K" I . ! t':,<-~p.J~' .r. _>~.:r./r-4t?':" Evelyn R. JohnsOn (Seal) .Borrower (Seal} ,Borrower (Seal) ,Borrower (Sign Original Only)