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<br />, r <br /> <br />r <br /> <br />D, UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY <br />Uniform Covenant 15 of the Security Instrument is amended to read as follows: <br />15, Uniform Se<urlly Instrument; Governing Law; SeverabDlty, This rorm 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 of the jurisdiction in which the Property is located, In the event that any <br />provision or clause of this Security Instrument or the Note conflicts with applicable law. such conflict shall not 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 are declared to be severable. <br /> <br />E, TRANSFER OF THE PROPERTY OR A BENEFICIAl" INTEREST IN BORROWER <br />Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br />17, Transfer of tbe Property or a Beneficial Interest in Borrower. If all or any part of tl)e Property or an interest tberein is sold or transferred <br />(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior- v..mten consent,- <br />Lender may, at Lender's option, declare all the sums secured by this Security Instrument to be immediately due and -payable;- However; this <br />option shaH not be exercised by Lender if exercise is not authorized by Federal law. <br />If Lender exercises such option to accelerate. Lender shaH mail Borrower notice of acceleration in accordance with -paragraph -14 here<?f. ,Such <br />notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower'may, pay the-sums_declar.e(ld~. If <br />Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on BOrrower,- invoke'aD.'y <br />remedies permitted by paragraph 18 hereor. <br />Notwithstanding a sale or transfer, Borrower will continue to be obligated under the Note and this Security Instrument. unless'; Lender:~ <br />released Borrower in writing. <br /> <br />F, LOAN CHARGES <br />If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges. and that law is finally intetpI_cted so: th~~ the <br />interest or other Joan charges collected or to be coUected in connection with the loan exceed permitted limits, then:_{l):any_such-Io8.nc~8rgeshan <br />be reduced by ,he amonn' necessary to reduce the charge to the permitted limit; and (2) any sums already collected fiomi BOrrower',which' <br />exceeded permitted limits will be refunded to Borrower. Lender may cnoose. make this refund by reducing the principal_owed, Unner the_;Note <br />or by making a direct payment to Borrower. I f a refund reduca pri! '. }a\, the reduction will be treated as a partial prepayment undt:r_the-No~~ <br /> <br />IN WfTNESS WHEREOF, Borrower has executed tbis Adjustable Rate Rider. <br /> <br /> <br />Sheryl Jean Muhlbac~ORROWER <br /> <br />(Seal) <br /> <br />(13)c.b~f!/lfJfjZ'k1w~&e ~ (Seal) <br /> <br />(SIGN ORIGINAL ONLY) <br /> <br />. <br />0:> <br /> <br />o (f) <br /><:) -i <br /><= )> <br />z-i <br />--( m.- <br />-<0 <br /> <br />00 <br />.po. <br />1 <br />6~ <br />o <br />w <br />Ul <br />-..J <br />o <br /> <br />"' <br />;, <br />it <br />i <br /> <br />o <br />., <br />o <br />m <br />r>1 <br />o <br />'" <br /> <br />:0 l:J <br /> <br />,." t' <br />G'> ,. <br />A <br />II <br /> <br />~ <br />t <br /> <br /><.rt <br /> <br />c:.... <br />= <br />r- <br /> <br />:Do <br />:::r <br /> <br />-"z <br />:;:rT1 <br />"" CJ <br />.- ;;0 <br />,;po. <br />U'J <br />;;0< <br />)> <br />--- --- <br /> <br />.. <br />'^ <br /> <br />= <br />= <br /> <br />o <br />g <br /><:: <br />3 <br /><Il <br />~ <br /> <br />U'J <br />en <br /> <br />.-",0'0 ~ <br /> <br />!:~ fw~ ~~~ ~ <br /> <br />, , , <br />J <br />, <br />I "!t,.~ <br /> <br /> p <br />L :- <br />)> <br /> llJ <br /> (J) <br /> -l <br /> :0 <br /> l> <br /> ("l <br /> ""l <br /> <br />, <br />. ~ <br />