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I r I 0, l'NIFORM SF.cURITY INSTRUMENT; GOVERNING LAW; SEVERABIUTY Uniform Covenant 15 of the- ~..!rity Instrument is ~~ to read as follows-: 15. l'lIir_ s...rlty __t; Go_.. ta..; ~y...b/Illy, Thi. rorm or Security Instrument combines uniform covenant. for national use and non~unjform covenants with limited variations by jurisdiction to constitute a uniform security instrument coverina real -property. This s.ocurlty Inxtf".l.rnent shall be governed by F~ law and the law of the juriwicdon in which the Propeny is roc.teet In the event that any provision or clause or thi. Security Instrument or the Note conflicts with applicable law, .uch conllict .hall not affect 0Iber proM"'" of \his Security Instrument or tit: Note which can be given effect without the conflicting-provision, and to this end the-proviaions;of,this;Security Instrument and the Note are decJared to be severabte. 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, Tra..r.. of tloe Property or . ~ 1__. _. If all or any part 01 the Property or an interest therein is sold.... transf~ (or if a benefICia! interest in Borrower is sold or transferred and Borrower i.s not a natural person) without'LeDd1er's prior w:ritten.:-~t; Lender may. at Lender's option. dedar~ aU the !iums secured by this Security Instrument to be immediately due-aDd-pa:yable;.- HoWever/tlUs option shall not be exercised by LendeT if ex,ercise js not authorized by Federal law. If Lender exercises such option to accelenne. Lender shall rr..ail Borrower notice of acceleration in accordancc.,with~~_:J~~~!;;;;,~~': notice shai-l provide a period of nUl ~es.s than .!C days from the date tt-n= notice is mailed within which Borrower :r.ay.-paY,tb~~_'~;~'Jr,,_. Borrower fails to pay such sums prior to the expiration of such period. Lender may. without further- notice or demand-on 'BOrroweri,.invokeaQyi.-: remedies. permitted by pat3!'rapb 18 hereof. Notwjthstanding a sale or transfer. Borrower will continue to be obligated under the Not~ and this Security Instrument u.n&ess';l.aIciet-;,~~c: released Borrower in writing_ r, LOAN CHAIlGES I f the loan .secured by the- Sa::unty instrument is subject to a law which sets maximum loan cbaraes. and that -law-is nna1lY.iri~~;~.~':~ toter.., or other loan char~es collected or to be collected in connection with 'he loan exceed permiued limits, then: (I) any..,a.~,~~~" be reduced by ,'he amount n<CeS$&fY to reduce ,be char.e to the permitted limit; and (2) any sums already collected rro"I']I"r~,~,': exceeded pcrmmed limns ..,II be refunded '0 Borrower, Lender may choose '0 make this refund by reduciq the principal owed Wldetii.e,Noi.e,. or by makins; a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prcpaymcnt UDdaCtbe~ IN WlTNESS WHEREOF. Borru"",.... .......ed Ws Ad)_ Ralo RIdor. ~ j.' '~~ , 'L'~Vf\l'.,'1... c', b " ~v 'JA!.,ES L. BRODHAGENBOIlROW /7, ~ ^' ( ~!I~ J2?oi!/ry/n ) CATHY J. ' HAGENBOIlROWE (liceI)c (SeU) BORROWER (SIGN ORiGINAL ONL Yl (l>OIl/) J ::::;:: ~ "r:;~"': 1 ' 0;" e: '~[~~~; ~ ", D I. \]0 ,. ~ '~.,. '''j 'N ___.:."': . , ., ..r -4: O'l c;oa' ~ll It ~, . 0:> ~ :- C,,;J '0 o " <: ~ ~ L )10 III I!l -.li t ~ ""'" :::r 0) If. Z 9