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<br />0, UNIFORM SF..cURJTY INSTRUMENT; GOVERNING LA W; SEVERABILITY
<br />Uniform Covenant 15 of the Security Instrument is amended to read as follows:
<br />15. Ullffonn Seatrlty Instrument; Governing Law; Sevenbfltty. This form of Security Instrument combines uniform covenants for national
<br />use and non-uniform covenants with limited ,variations by jurisdiction to constitute a uniform security instrument-covering real property. This
<br />Security Instrument shall be governed by Federal law and the law or the jurisdiction in which the Property is located, In the event that any
<br />provision or clause of this Securit!l Instroment or the Note conflicts With applicable law. such :conflict - shall tiot affeCt other prOvisions of this
<br />Security Instrument or the Note ,which can be given effect without the conflicting provision, and to this end the provisions of. this Security
<br />Instrument and the Note afC declared to be severable.
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<br />E, TRANSt'ER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
<br />Uniform Covenant ]7 of the Security Instrument is amended to read as follows:
<br />17, Transfer of the Property or a BenefldalInte....tIn Borrower, If all or any part or the Property or an Interest therein is sold or transferred
<br />(or jf a beneficial jnterest in Borrower is sold or transferred and Borrower is not a natural person) without 'Len~e:r!s prior' written 'consent,
<br />Lender may, at Lender's option, declare all the sums secured by this Security Instrument to be Immediately due and payable, However/~
<br />option shaJl not be tlercised by Lender if exercise is not authorized by Federal,law.
<br />If Lender exercises such option to accelerate, Lender shall mail Borrower notice or acceleration In accordance with paragraphI4her..,f; Suc,h
<br />notice shall provide a period of not less than 30 days- from the date the notice is mailed within- which Borrower may pay,~ ~,~~~,,~~~~:,:l,f
<br />Borrower fails (0 pay such sums prior to the expiration of such period, Lender may. without further notice or demand on Bon:ow:er-.. 'inv()~e-'~~
<br />remedjes permitted by paragraph 18 hereof. , """ ..-:' ': ' :, -:> ;:'--,"::>J.';<:,';,:',,:'::,:,,:',-":<
<br />Notwithstanding a sale or transfer, Borrower will continue to be Obligated under the Note and this Securlty"Instrument,,,uiiJess>.LendeI::Jms--;7
<br />released Borrower in writing,
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<br />}', LOAN CHARGES , ., ",
<br />If the loan secured by the Security Instrument is subject to a law which sers maximum loan charges, and thal'law'is fi~yjnt,~.t
<br />interest or other loan charges collected or to be collected in connection with the loan exceed permitted limits, ~:-..cniiJl?;s_~" -
<br />be reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already coU":'le<!Jr~,:""L1I(
<br />exceeded permitted limits will be refunded to Borrower. Lender ma,' ~oose to make this refund bY'redUcing,the,PditciPaJ__~():w~~:~~tir::~..
<br />or by making a direct payment to Borrower. If a refund r~duces prr.. _J~. (he reduction will be treated 8S,apartial prepa)'lJlent-UIld,~:~e:'-<>
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<br />Thomas C. uJetzel
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<br />IN WITN ESS WHERFMF, Borro_: '"' executed tbls Adjustable Rate RIder.
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