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I r D, UNIFORM SF..cURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant J 5 of the Security Instrument is amended to read as follows; 15. Viii'... Senrity 'III.""'''''; GoYft1lilll uw; SeYerablllty. This form of Security Instrument combines uniform covenants for national use and non.uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covenn, real property. This Security Instrument shall "" governed by federal law and the law of [he jurisdiction in which the Property is located. [n the event !bat any provision or "'ause of this Security Instrument or the Note conflicts with applicable [aw, such conflict shal[ not aff..,~ other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. and to this end me provisions- of this -Security Instrument and the Note are declared to be severable_ E, TRANSFER OF THE PROPERTY OR A BENEf1C1AL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as foUows: \7, Tra"'" of t..............,. or a _fIdaIl_leftIIt i_ ............ lr all or any part of the Property or an interest thereinis soklor transferred (or -if a beneficial interes.t in Borrowt:r is sold or transferred and Borrower is not a natural person) without Lender's _fRiar written conseal~ Lender may, at Lender's option, declare all the sums secured by this Security Instrument to be immediately due and--payabk.-",,-OWeYer, this-- option shall not be exercised by Lender if exercise is not authorized by Federal law . If lender exercises such option to accelerate, lender shall mail Borrower notice of acceleration in accordance with...-...h14 ~fiStlch- notice shaH pt'O".-'i.de a period of not !~ tha."l 30 ~:1!,s from the date the notice is mailed within which Bo.rrowennaypay:~:t~_ ~:~'~~:~r' _ Borrower fails to pay such sums prior to the expIration of such period. Lender may~ without further notice or demand on-,Jlorrower-;-inYob::--aIIJ remedies permitted by paragraph 18 hereoL _-,_ ___ Notwithstanding a sale or (ransfer, Borrower Wllll.;ontinue to be obligated under the Note and this Security InstrumeDl-u~:~~{~;--, rdeased Borrower in writins. F, LOAN CHARGES ~f the loan secured by the Security Instrumem is subject t,o a law which sets maximum loan charges, and tbat,taw-,is finallY--in~:~~e:'~~':.':_,,; IOterest or other loan charges oollccted or [0 "" collected 10 connection with the loan exceed penni~tcd limits, then: (l)any,'$lldrJOiul~'~"i be reduced by the amount necessary to reduc.. the charge to the permitted limit; and (2) any sums alradycollei:t!ld....OIII ,~,'~;',' exceeded permmed limits will "" rerunded to Borrower. lender may choose to make this refund by reducint theprincipalnwed.lIII4erJ~-~,- Of by making a dira.~ payment to Borrower. I f a refund reduces principai~ the reduction will be treated as a partial prepayment-under,_~~~ _.~;{, . , (: /4f'k-t/f-f-f .-\y. :'fIarion G. Smith /"/-- -- .., cfi3tw~ IN WITNESS WHEREOt'. Borro.... hu u....ted IIlia Adj.........lble Rider. C~\ "L/;' ~M ....{!.:..-<,._ z c~_/' "J i._'2118 Smith BORROWER (~) BORROWER (SIGN ORIGINAL ONLY) (~) ~ t:o .c :::!l: :;t...,,, '"'" ~-~ " oct. -I::logo t I I c;:> C", Ql "'f'J... 2 '2 ":;.: " (,lit .:; \ ~? "~'g 'rS\1, on' '" \} \' r::. o w~;~ltN~' ;: \ - '\~:a. i \ \ tDz ~ C7}O ~ -u :::>: :- '-'-' .... .... .. ~ ~ Q 0.> L