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I .". ,lI --,.. -,j~} r 0, UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY Unifonn Covenant 15 of the Security Instrument is amended to read as follows: 15. Uniform Security Instrument; GO'YeraJng .law; SenrabiUty. This form of Security Instrument combines uniform covenants for national use and non-uniform CQvenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. This Security Instrument shall be governed by Federal law and the law or the jurisdiction in which the Propeny is located, In Ihe evenllhal any provision or dause of this Security Instrument or the Note conflicts with applicable: law. such conflict shall not affect other provisions- of this Security Instrument or th.e Note whkh can be given effect without the conflicting provision. and to tros end the prOvisions of- this Security Instrument and the Note are declared to be- severable. E, TRANSFER OF THE PROPERTY OR A BF.NFJlClAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: 17, Tramf... of tlte Property or a Beaefldal lute..... in Borro...... [r all or any part of tlte Properly or an interest lIt....ln:lssoldor transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without',Lender~s -J)rior--written_'consent~ Lender may, at Lender's OJ)tion, declare alllhe surns secured by this Security Instrument to be immediately due andpayablec However; this option shall not be exercised by Lender if exercise is not authorized by Federal law. if Lender exercises such option (0 accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragrap-lr--t4'-~f~-:Such',-- notice shall proVide a period of not le5.s than 30 days from ihe date th~ notice is mailed within which Borrower may;:pay_ the sums,d~~-~~~,;,If- Borrower fails to pay such sum:r. prior to the-expiration of such period. Lender may. without further notice or demand on B()rrower,: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 Instrument unlessj:.ende;:::~~~,- released Borrower In '-"THing. /)~-r WU?"Ly q, unmafgtRtfWER F, LOAN CHARGES ~f the Joan :secured by the Security Instrument is subject l~ a law w~ich s~s maximum h -" fl charges. and that law is ~Y,interpJ;'ete4.,~-~~~: mterest or other Joan charges coUecr..ed or to be collected 10 connecr~')i:1 Wlth the loan c:" ~.;d permitted limits, then:_ (1-) any ~U;h>i~_~,"~,";,_" be reduced hy the amount necessary to reduce the charge to the p ,',jrted limit; and (2) any.ums already coIiectedfrotn.~troWer..~.. exceeded permitted limns ",in be refunded to Borrower _ lender may choose to make this refund by reducing- the principal owed_ tuiderjhe"-Nbte. ,- or by makinp' a direct ~)menl to Borrower. 1 f a refund reduces principal, the reduction will be treated as a partial prepayment _under th.c_N~ iN WITNt:.s.'i WHEREOt', 1Iorro.... bas neeuted tbis AdjD5labl. Rate Rlchr. Cathy L. Betz, ~~ BORROWER (Seal) BORROWER (SIGN OR!(l!NAL ONLY) (Seal) 00 m .. .j;::a. " 00 \:J 0:> 0(1) , ii' ..&:' o -l .. - c )>"c>s;p , &.. Z-L;;: c>> <:::: -< m: 3.i ~ ;;; ~. = III -< co.. ~ ... ,. ':. ~RP'~ " C> 'I "" -" I, 0 r ,., <" ,,'" c: p m ::x ;::- ~ 3 ..". e ::- "" ;. 0 ;a v") }o ;po -.I Z t v.> 9 tD t.Q '" -J ~ (n ~ }o 0 -4 L