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I 0, UNIFORM SECURITY INSTRUMENT; GOVERNING LAW: SEVERABILITY Uniform Covenant 1 S of the Security Instrument is amended to read as faUows: ,_ IS, Ualfotm Seeurlty 1...I.......nl: Governla. Law: SevenblUty, This rorm of Security Instrument combines uniform COVetlll1lIB fOr national u.. and non-uniform covenants wilh limited variations by jurisdietion to constitute a uniform security instmmeol coV<'ring1'ea1 pro~; This Security Instrument shall be governed by Federal iaw and the law or the jurisdietion in which the Property is located,1n the evw tbat any provision onlause of this Security Instrumenl or the Note connie" with applicable law, such conflict .shall not affect otmr. proviBl""" of this, Securily.lnstrument or the Note which can be given effect without the conflicting provision, and to thisend.theproYisiollS'ortbis'lleCurltY Instrument and the NOf~ are declared to be severable. E, TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as -foUows: 17. Tl'lIIIllfer of tho Properly or a 80nellclallntemt ID Borro......, If all or any part of ~he Property or an interest therein is $oldor transferred (or if a beneficial interest in Borrower is s.old or transferred and Borrower is not a natural person) without' Le~er.s prior- written:,conseiJt~ Lender may. at Lender', opllon, declare all the sums secured by this Security Instrument to be immediately due and payable,However.this option ,~haU not be ~xercised by Lender if e~ercise is not authorized by FederaJ law. If Lender exerci.ses :such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance witb paragraph-'14 hereof..-StiCh notice shall provide a period of not l~f!; than ]0 daYli from the date the notice is mailed within which Borrower may: pay the $Ums-declared-due._-:If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further-notice or deinand On Borrower. invoke any remedies permitted by paragraph 18 hereof. Notwithstanding a sale or transfer. Borrower will continue to be obligated under the Note and this. Security lnst.ruJnent:unleSs~LeIJder__has relaued Borrower in writing. .-, LOAN CHARGES If the loan secured by th~ Securiry jnstrument is subject to a law which sets maximum toan charges~ and that-law is finally inteJ'preted;So,tIlaLthe interest or other Joan charges colI-ected or to be c-oUected in connection with the loan exceed permitted limits. then; (J) any suchloan-ch8.tge shall- be reduced by thr amount necessary to reduce the \.:harge to the permitted limi[~ and (2) any sums- already collected from -Borrower whj~ exceeded permiUed limits wlU be refunded to Borrower. Lender may choose it) make this refund by reducing the principal owed wldci' the Noie or by making a din~l.~t pa.ymcm 10 Borrower. If a refund reduces pnncipai, the reduction will be lreated as a partial prepaymcnt.undertheNote. IN WITNES.S WHERJoXIF. 8ol1'O..er ",'. ",.....ted this Adj",u"ble Rate Rider. , ~ , . -1--/ ",;,_+';:~~-_'J../~':._v::t:f:.~!..~,:Z::k-:6t ~:5~7 -f"~_A' ,--~ (Seal) i BORROWER ,J-'ifL;:H'fJ_eli _ ,~_____.~_::.~;< "\ _.~~L~::::::::/f _,___.~___~__~(Sca1) BORROWER ,'t!,~~ l i'.:, '.:~U ~~_~__________._____(SeaI) BORROWER (SIGN ORIGINAL ONL Y) C'I , O() rn +:- ::l c.: ;;( iii ):> c t " ~ lJ.l " 5' n.. \11 ; ,,~ I ~, \If 'If . -l - , ''','"V!I I~ ", - ~ ::0 I ",~'o 0 p ~\{t;..O 0 0 ~ :4 I ( '-~(.J ;; ,,-> .- !-' ~ --J Z '..0 --J 9