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I F'" faithronresl such lien by, or defendagainsl enforcemenl of such lien in, legal proceedings whichinlhe opiiliol1of Lender-operale 10 preventlheenforrenlentof Ihe lien or forfeilure of the Property or any part thereof; or {c}'snaU secure frol11the holder of such lien an agreement in a form $adsfaclory 10 Lender subordin31ing.suchlielfIO'lqis Secl/ntY1nslrumenl. if Lender deltrmines thai all or any part of the Property is subjeCtloalien which may analnaprlorityover-this Secutitylnstrtimelll, Lender shall give Borrower a nOliee identifying such lien, Borrower shallsatisfysuchlien'<>r1ake< one or riloreof the aClions sel forth ahove wilhin ten days'oflhe givingoflhenotice, C. NOTICE Uniform Covenant 14 of Ihe Security I nstromenl is amended to read as follows; 14.. Notice. Excepl for any notice required under applicable law lobe given in anolher manner, (a) any notice to Borrower provided for in this SecurilY Inslroment shall be given by delivering it or by mailing. II by first class mall 10 Borrower at the Property Address or al such other address as Borrower may designate by notice to Lender as provided herein, and {b} any nollce to Lender shall be given by first class mail to Lender's address stated herein or tosueh other addreu as Lender may designate by notice to Borrower as provided herein. Any notice providedforiiithis Security Instrument shall be deemed to have been given 10 Borrower or Lender when given in the manner designated herein. D. UNIFORM SEL1JRlTY INSTRUMENT: GOVERNING LAW: SEVERAB1UTY Uniform Covenant I S of the Sc<:urity Instrument is amended to read as follows: IS. URirerm Security Instrument: Go.eming Law: Se.erabRily. This form of SecurilY Instrument combines uniform coveoams for na.tional use and non-oniform covenants with Iimiled variations by jurisdiction to constitute a uniform security instrument covering real propeny. This Security Instrumenl shall be governcd by Fedcrallaw and the law of the jurisdiction in which the Property IS ioaned. In the event that any proVIsion or clause of this Security Instrument or the Note conllicts wllh applicable law, such conflict shall not affect other provisions of lhis Security Instrument or the Note which can be gIVen effect withoul the conllicting provision. and to this end the provisions of this Securily Inslrument and the Notc arc declared to be severable. E. TRANSFER OF THE PROPt:RTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 1101' the Securily lostrumenl L' amended to read as follows: 17. TrallSfer of the Properly or a .BeneliciallnlerC$t in Borrower. If all or 'lOy pan of Ihe Property or an interest therein is sold or transferred (or if a beneficial inlerest in Borrower IS sold or transferred and Borrower is nOI a natural penoll) withoul Lender's ;>riN wriuen ,,-'nsent, Lender may, at Lender's option. declare aillhe sums secured by this &:eurity IllSlrument to be immediately due and payable. However, this oplion shall not be exercised by Lender if eltercisc is oolauthorlzed by Fedcrallaw. If Lender cllercisc$ s\lch option to a<<<:ieralc. Lender shall mail Borrower nOlice of ae<:eleration in accordance with paragraph 14 herc<,f. Such notice shall provide a ""riod of nOI less than 30 days from lhe dale the nOlice is mailed within which Borrower may I'''Y the sums declared due. If Borrower fails 10 pay such sums prior 10 the p,piration of such period, Lender may. witboul further notice or demand on Borrower, invoke any remedies permiued by pllralraph 18 hereof. Notwitlwandillll a sale or transfcr. Borrower will continue 10 be obligated under the Note and this Security Inslrllmcnt unle$s Lender has releaSCll Borrower in writine. F. LOANCHARGES lftbe loall secured by the Security Instrument is subject to a law which sets maximum loan charges, and thai law is fittaUyinl4q)feted so that the interest Of other loan charges coI~ed Or 10 be collected in connection with the loan exceed permitted limits, then: (I) any such loan chafge shall be reduced by the amount necessary to reduce the char~tothe pcrmirtedlimir; and (2) any sunu alre3dy collected from Borrower which ellceeded permilted limits will be rcl'unded to Borrower. Lender may choose 10 make this refund by reducing the principal owed 'under Ihe Note or by maltinaa direct paY_ill to Borrower. If a refund reduces principal, the reduction will be trealed as a partial prep&ymcatuAClcr lhcNoteo. .~ ,~. . I iW'.........\:::;. o ...::'.....:.....UR.... \0 ...... ... ... ,;;;. r lli:Jt; fW). Q;'. III Wrfl'I_ \VllOtltOl', Borrower has exe<:ute4 Ihls Adjustable Rate Rider. . .~/1''y'}yj...J.. -1ti~lt. ;" L. ~hUltl, ...I . , q: _' '""~ '.,j' ld;;"- ".... ,,; :/ _.~.y.:lU;4k:.. ,. ~,.2X. t1~ ... L';t!'1ell s. Schultz ):~... ...... .;;r . ....(Seal) ..BotfOW'Of ~ ct l; III < I I ~J .... ..... .... ............(SCall -BOfTO\llf4)f ~ ...: .cr .. .... (Seal) -nON'~ uS}gn Origklit.f Ot1/rJ d ,'~ ii ~ ~