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<br />I" <br /> <br /> <br />D. VNIFORMSECURITY INSTRUMENT; GOVERNING LAW;SEVERABn.1TY <br />Uniform Covenant 15 of the Security Instrument is amended to read,," follows: <br />15; U..,.....'Seeurily~. Goftrllhlt L...r, s.._ty. This form of Security Instrument combines . uniform covenants for national <br />uSelUl<hWn-uniform covenants witlllimitedvarialIons by jurisdiction to con!ltitute a uniform security instrument covering real property; This <br />SccurityJnstrumentshall be'Boverned by Federal law and the law of lhe jurisdiction in which theProperry is located. . !ntheevent ihaN.ny <br />provi<ll<mor 1ililuseNt!iisSccllrity .lnsttument orlhe Note ronflicu. with applicable law; such conflict shall not affect other provisions of this <br />~'InstrlU!!ent at: lhe Notewhidl<:an be given effect without the conflicting provision, and to this end the provisions. of this. security <br />InsllUJtient and~the Nore are declaxed te, be severable, <br /> <br />Eo: TRANSFEIlOFnJE PROPERTVORA BENEFICIAL INTEREST IN BORROWER <br />Uniform Covenant-.i 7-of the Security Insu-umeDt is amended to-read-as-,follows: <br />17. 1'ruIferofthePrope<lyorallollelldalln_In,Borrower.1f all or any part of the Properly oraninterest therein is sold or transferred <br />(or if abeneficlal interest in Borrower is sold or transferred and Borrower is not a naruralperson) withoul Lender's prior writtenconlieJlt, <br />Lender may. at Lender's option, declare all the sums secured by litis 8<curity InstrUment 10 be immediately due and payable; However,this <br />optionshd not be exercised by Lender if exercise is not authorized by Federal law. <br />If Lender exercises such option to accelerate, Lender shall mall Borrower notice of acceleration in accordance with parasraPh14 hereof. Such <br />notIce.ba11 provide a period of not less than 30 days from the dale the notice is mailed within which Borrower may paylhe..um",lecJared.due.lf <br />BOrrower fails to pay such sums prior to the expiration .of such period. Lender may. without further notice or demand on"Borrower ,-invoJC:e;any <br />remedies permitted by paragraph 18 he=f. <br />NotwithstandiDgasaleor transfer, Borrower will continue to be obligated under the Not. and this'Security InstrUment unless~Lender h,," <br />released Borrower in writing. <br /> <br />F. WAll/CHARCES <br />lfihe loan secured by the security Instrument is subject to a law which sets maximum loan charges, and that law is finally int"'l'reted so that the <br />inlere$t or other loan charges collected or to be collected in connection with the loan exceed permitted limits. then: (I) any such loan cbarll"shaII <br />be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already collected from Borrower which <br />exceeded permitted limits will be r.funded to Borrower. Lender may choos. to make this refund by reducing the principal owed under the Note <br />or by making a direct paymenl to Borrower. If a refund reduces principal. Ihe reduction will be treated as a partial prepayment under the Note. <br /> <br />IN\\1TNESS WHEREOF. ftorro....rbun....red lbls AdjustableRate Rider. <br /> <br />L hJ)~ <br /> <br />Jim D. Narber <br /> <br />BORROWER <br /> <br />(Seal) <br /> <br />/7 I /.'o( /? <br />1v~?YZ1V' If ~Mf~ <br />Donna R. Narber RRO~R <br /> <br />(Seal) <br /> <br />BORROWER <br />(SIGN ORIGINAL ONLY) <br /> <br />(Seal) <br /> <br /> <br />- <br />'-" <br /> <br />'n <br />? <br />ru <br />00" <br />WlL <br />1,}__z,,-,.c-1 b '" <br />d ~ ~i v, <br />H.y.~ (ti sa 0 <br /> <br />;- ~t f{~4 ~... ~ <br />-~r~fF~~ a <br />;;; N ~ <br /> <br />0(/') <br />, <br /> <br />,-;') <br /> <br /><=> <br />m <br />...., <br />l.<.> <br />r::;::.::< <br /> <br />~"- ::.{ <br />_,m <br /> <br />~ <br /> <br />c <br /> <br />\t.~ <br />..,. <br />