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I r , D. UNIFORM SECURIn' INSTRUMENT; GOVERNING LAW; St.;VERAJlILITY Uniform Covenant 13 of the Security Instrument is amended to read as follows: 15, U_ _ty .-. c;.,..-.. La..; _IIlIIty, This form of Security Instrument combines uniform C01felllUltil for national UJe' and non.unifonn covenants with limited variations by jurisdiction to constitute a uniform security instrument coverina real -property. This ~writy lrsSL-umcnt shall be governed tr; Federall.w and the Jaw of tb(; jUrr-:,diaiuii in which Uie Property is located. In the event that any provWon or clause of this Security Ins~rument or the Note conflicts with applicable law. such conflict sholl not affect other provi.ions ofllUa Seeurity Instroment or the No", which can be given effect without the conflictinll provi.ion, and to this end the provisions oflhi. Security Instrument and the Note are declared to be severable, E. TRAN8FER OF THE PIIOPERTY OR A 8E.'VEFICIAL INTERFST IN BORROWER Uniform Covenant 17 or rhe Security Instrument is amended to read 8S follows: 17. T....'.. 0' tM PI'OIIfttJ or. BnoIIdaII_la """","" If aU or any part or tbe Property Or an in_ therein is sold or transferred (OT if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender.s prior written COiIIeftt; Lender may, at Lender', option, declare all tbe ,urns seenred by Ihis Securiry Instrument to be immediately dueand~payable, H..-cr; this option shall 001 be exercised by Lender j f exercise is not authorized. by Federal law . Ir Lender ""erclics such option 10 acceler.~e, lender shall mail Borrower noti<e of acceleration In a<:cordance with _ph J4hereof. SucII notice .hall provide a period of nO! I",. Ihan 30 days from lhe date the nOlice is mailed within which Borrower may~ pay the 'UlIl$decIaml.due, If Borrower ram Lo pay such SUIIU prior to the expiration (Jf such perlod~ Lender may, without further notice or demand on. BOrroWer. invoke-,any remedies permitted by _Taph 18 hereof, Notwithstanding a <ale or tTansrer. Borrower w1l1 continue to be obUgated under the NOle and this Security lustrument unleaLellder~ bas'~ released Borrower in writing. F, WAN CHARGES I f the ,loan secured by the Secumy f nstrumenr is subject ro a law whkh sets maximum loan charges, .and that law is finaUy:illtCl'pJetecho,tbat:tJIe; interest or other loan charges collecu:d or 10 be coUccted in conncction with the loan exceed permitted limits, tbeftl(1) any ......IOIIlu:b....JUIi be reduced by lbe amount necessary 10 reduce the charge 10 ,be permitted limit; and (2) any sunn already coIIecled fr_,IlorroweI"~I!idi': exceeded permuted limus ""iI be '.fonded '0 Borrower ~ lender ,nay choose 10 make this refund by reducina the principal~ owedundertbeNOIe or by tnakJns a direct paymenl '0 Borrowcr~ If a rrfund reduces prinCIpal, Ihe reduction will be treated.. a partial prepay1tleDlundertbo Nolc; IN WITNESS WlIEREOF .Borro.... .... n_ tlrio Adj_1IW Rale RIder, ~ , tt <--f r;v;' k '....,~ . ~1- ~i ^ t'f"r y~! ~hm I. BORROWER V . (~ ,,:t:~~~ l~~: K. ~1i'l\~ ~"' /_;, '-, ~ IBORRO~/ ~/l..rn (s.I) BOllROWER (SIGN ORIGINAL ONLY) (8eaI) oog'- ~~':j ~- rl~~ \ ~ c- , ...... It. ,- '" <0 P r~'r! .'~ ~' (1 r ~~ C) ~ :- ,~' '1 F C) c > .--" .' N~ :I " ~::) w3. -I -.J Z I U"l J.,'1 <Xl P I,,:' L ,~