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I "' g1.ven by fP'st class IIJ8:I.l to l.eoier's address stated harein or to such other address as Lendet:'!MY ~ by not1ee ,to Ibrrower as provided h&ein, My mtice provided for in this Security InstruDent shall be deeDed to have been g1.ven to IbI't'OOo1!r or Ieo:Ier when given in the manner designated bere:1n. D. UNIFORM DEED OF TRUST; GOVERNING LAW; SEVERABILITY th1fot1iIO:MsIsnt:. 15 of the Security InstnmRlt :Is lIIlI!Dded to teed as foll.-: 15. J:IllF(Bi IllED CF nusr; 00\lI!1lNIN; lNl; SEVERABILIIY. This fom of Security InstrllDentcaob:1DE!s IDifom cailenaItts for natioIla1 use and IUt"Ulifol1ll <XlIIeIIlIIlts with lJmited var:lal::Ions by jur1sdiction to <XJDStitute . a 1SIifolDl secur:l.ty instrulil!nt ~ real pmperty. This Security InstrllDent shall be governed by federal law and the law of the jurisdiction in IitI.ch the Property is located. In the event tbIIt ~ proois1a1. or ~ of th:ls Security Instrulil!nt or the lbte conflicta with appl.1cab1e law, such cooflfct shall mt affect otret provisioos of th:ls Security Instrulil!nt or the lbte IitI.ch can be g1.-. effect: w1~ the cooflictiItl proII:ls:lon, and to th:ls en! the provisioos of the Security Insl:l:uIErlt snd the lbte are declared to be severable. E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Ill1fotm CcNenant 17 of the Security Instruaent :Is lIIII!rIIed to teed as foll~: 17. 1'RANSFFJl IF TIlE ~ CR A BEtl'.FIC'"u\L INlEUlST IN Jl(llR(lNER. If all or any part of the Property or an interest therein is sold or transferred (or if a benefidal interest in Ibrrower is . sold or trmwferred and Ibrrower is tDt a natural person) without Iaoder's prior written consent, lendermsy, at I.eo:Ier's option, declare all the SUllS secured by this Security InstrllDent to he :ImDed.:lsrely due and payable. !i:lwIM!r, this option shall mt be e:xexctsed by leOOer if exercise is mt auth>r1zed by Federal law. If lender ~ such option to accelerate, Lender shall IIJ8:I.l Borrower mtice of acceleration in ~ w1.th p&ragl:8ph 14 hereof, Suclt mtice shall provide a period of mt less than 30 days fran the date the mtice is IIJ8:I.led within IitI.ch llorrot.m" llIIIY pay the SUllS declared due. If Borrower fails to pay such sua prlor to the expinlt:lal of such period, leOOer msy, w1.tmut further mt1ce or d8llSlrl on Bo~, :lm1dae say reued1es peDllitted by paragraph 18 hereof," F. COVENA.'IT DELETED \hifom ~ 21 of the Security InstruuInt: ('"future Advances") is deleted. G. LOAN CHARGES If the 10m secured by the Security Instruuent is subject to a law ..ntch seta lllSldmun 10m clBrges, and that law is finally interpretl!d so that the interest or other loan charges collected or to be collected in coanectim with the 10m E!llD!ed pem1tted lJmits, U-: (1) ~ such loan chsIge shall be reduced by the _ llllIICe8EI:y to nduc:e the clm:ge to the peml.tted lJmit; and (2) ~ SUIlS alrea1y collected fran llcJcrooi!Jr IitI.ch exx:eeded pemitted lJmita will he refulded to Borrower, Ieo:Ier llIIIY choose to make this refwi by ~. the prin:1pal 0I0llld IDler the lbta or by lIIIIcing a direct pl}'lll8l1t to Borrower. If a refu:Id t8Iuces .pdnl:4el, the reduction will be treated as a p!Irtisl prepe}'lll8l1t In:ier the lbte. H. LEGISLATION If, after the date hereof, eoac_ or explration of sppl1cable lalo8 have the effect either of ~ the pcovia.ioo& of the Note, the Security lnst:ruIlent or th:ls Adjustable Rate Rider (otret than th:ls ~ G) taeofoa:eabl.e acx:otding to their tanIS, or all or artY part of the SUIlS secured hereby 1UlOllectable. as ottmwiae provided in the Sec:ur:lty Instrulil!nt and th:ls Adjustable Rate Rider, or of ~ the value of lallier's 9l!CUrlty, then lender, at l..Eoder's option, msy declare all SUIIlS secured by the Sec:ur:lty Instrulil!nt to be ~ely due snd plyable. IN wmes 1oH'1lFD", ~ I'8s -=uted this Adjustable Rate Rider. p /--"., (' '/;2..' 'I- ,1. . ~~.::~ 5. ";.-:.0' tt /~;,~ (Seal) ~ l- o ~ a:: l- ll) tn <( :- )I> II en -4 ~ ~~ ~ -4 o ~, ., 1 'J~L'. vat.on _ f -'-/,j"" "0 _Jet_ (Seal) ~ ..: ci (Seal) ~ ;; L.N ~l~ '!~ U) LW ' ..~ ~MJ::; ;', .1. I' ,,' ~. tw')' " -','". : - " (Sign ():iginal <kllY)--d'~j -,~< .. ~ '" VJ on .... <:n :r:; <:l: ~ '.....'J '->,1 .~1 -.-, ,., ~ ~~~ ooa' f,: Jr.~ g c:j 0~.. '2 ~ ~~ W,l . ;;1 3 ~ a ; ; ~.'~:.:}h~, ;.'.':-- ~!itll\\:~ .... -.i: ~ fi. .. '" ;';; ;t\,\ !l: f ~ ~t ~j- "'"