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<br />irMt~03642
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<br />D. UNiFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY
<br />Uniform Covenant I S of the Security Insirument is amended to read as rollows:
<br />15. Uniform Security Iostrument;GoverulngLa.; Severab111ty. This form QfSccurity1nstrunletltCOll1bine.un!f()('JD coVenants!Qr~,
<br />use and non-uniform covenants with limited variatiQns by jurlsdicti()lItoconstil1.'lc:aunifQrm~!itY":,""C~"> " ;1'fdS'
<br />Security Instrument shall be governed by Federal law and thelawofthejurlsdictiOlIUl~~~Pr~~~,
<br />provision or clause Qf this Security Instrument OrtheNoleCOnflictswithapPllcablebl':ViOUc1l'~~JlCJt;;.rfoi'" ,,'thu\
<br />Securi~y Instrument or the Note which can be given effect without'tbeeonflicting,prQvis1Q"'andtOJltiifVeDd,theJ~<i"
<br />InstrumentaodtheNQtearedeclaredtobeseverable, ' '" ' , ,
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<br />E. TRANSFER OF THE P~OPERTY OR A BENEFICIAL INTEREST IN BORROwtR ;c,,' ""'."'.,"""", ,', " "'."""cc", c'" ,r\
<br />Uniform Covenant I? ortheSecurity Insirument isamended to read as foU(}ws: "', ,,', ',',," 'c"c><, ',,",',',', ""<';""".'';''.
<br />17. Transfer of the Properly or a Benefiel.1 Interest In Borrower. If ,all or anY part OftnePrOpeJ'typraniJI~esf;~~is:~lcjo/~el!'ed
<br />(or if a beneficial interest in Borrower is sold or tr:ansfen:ed ~d ~o~o:,erJs_ ~~t iit,;~~raI--.~Ii):'1'i~~:~tt:If~[~'-~~~!:~~~c,~~~
<br />Lender may. a~ Lender's option, declare all the sums secured by tms SecUri~ylnstrumenttobefuto1edj~Wy,"lie~:~ylili~;Hov,e,.ef.tbis
<br />option shall not be exercised by Lender if exercise is not authorizedbyFederallaw, '" '. . ';, ..," c.' " . .. ,:.,..,-:"" --,
<br />If Lender exercises such option to accelerate. Lender shall mail ~rrower notice of accelerati~rt: ~*Jt.~Of~~'~~~~,"'
<br />notice shall provide a period or not less than 30 days from the date the notice is mailed within which Borrowet'J!I~y'
<br />Borrower fails to pay such sums prior to the expiration of such period, Lender may. withou\ furt~"rnoti~or . '. ..'
<br />remedies permilted by paragraph 18 hereof. .... .'. .... . .." "_',;,'"
<br />Notwithstanding a sale or transfer. Borrower will continue to be obligated under the Note-~-~;~:'-I~t~~!i:i:-'
<br />released Borrower in writing. < <
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<br />F, LOAN CHARGES . '.. .....:.........,-':.,:';.i-
<br />jr the loan secured by the Security Instrument is subject to a law which sets maximum loan charges.and;that.'awisfi.iJalIyiti~~:
<br />interest or other Joan charges collected or to be collected in connection with the 10"" -. ~eed permitledlimits,.the~: <.V anysucliif
<br />be reduced by the amount necessary to reduce the charge to the ","-lilted limit; and (2) any sums alr...,;y' eoUe<.:teil
<br />exceeded permitted limits will be refunded to Borrower. Lender may \:,:0Use to make this refund by, reduciitg the.princi.p..~::ow:~-; _ __" _c, :,<
<br />'or by making a direct payment to Borrower. lr a rerund reduces principal, the reduction will be treated asa partial pr.,payjilel1tllnlie:i{ibl;'\.:i.
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<br />IN WITNESS WHEREOF. Borrower has executed this Adjustable Rate Rider,
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<br />(~F'
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<br />(Seal)
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<br />Deborah J.
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<br />BORROWER
<br />(SIGN ORIGINALONL Y)
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<br />(Seal)
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