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I , ;.1 r D, UNIFORM SEcUlUTv INSTRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant 15 of the Security Instrument is amended to read as follows: 15. Uniform-Security Instrument; Governing Law; Severability. This form of Security Instrument combines unifonn-covenants-'for national use and non.uniform covenants 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 of the jurisdiction in which the Property is located, In the event that any provision or clause-of this Security Instrument or the Note conflicts with applicable law~ such conflict shall not affect other--proVisi(}ns~of this' security Instrument-or the Note which can be given effect without the conflicting provision, and to this end the-provisions-of-this Security Instrument and the Note are declared to be severable. E, TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 11 of the Security Instrument is amended to read as follows: I7, Tnmsfer of the Properly or a Beneflclallnterest In Borrower, If all or any part of the Properly or an interest therein is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person),without-Lender's prior-'written _consent~ Lender may. at Lender's option', declare all the sums secured by this Security lnstrument to be-immediately-due ~d"payable~ However; ,this option shall not be exercised by Lender if exercise is not authorized by Federal law. . If Lender exercises such option to accelerate, Lender shaH mail Borrower notice of acceleration in a~njance wi~])aragra:p:h;'14_':h~eo~i.S~Ch-,' notice shall provide a period of not less than 30 da}'5 from the date the notice is mailed wiL'-Jn which-Borrowermay p~ythes~-d~~~~~~}~! Borrower faJls to pay such sums prior to the expiration of such period. Lender may. without funher notice or demand 'on 'BOrroWer;.;:i~YC?~~:~Y_ remedies permitted by paragraph 18 hereof. ',_ _ __ _ _ :' ': _iC_,:_:,:::':.>::;>',': :,::;_~ Notwithstanding a sale or transfer. Borrower wiU continue to be obligated under the Note and this -Security If1S-trument-'-\Uliess;'Leli~';.:_~1:- released Borrower io writing. F. WAN CHARGES If the loan secured by the Security lnst,rument is subject to a law which sets max:imlW!, loan charges, ?Del tbailawis fmany::i~~;~_~:~~d~~~);:~": interest or other Joan charges collected or to be collected in conner.tioo with the kr xceed permitted limits, ~en: .0) any_~u~~J~-~. be reduced by the amount necessary to reduce the chrge to' t: "'"'lilted limit; and (2) any' sums already colIected:fr"m: exceeded permitted limits will be refunded to Borrower. Lender may choose to make t!'ais ref'.l.nd by. reducii"'.g u"i~-pri~::owec.hu~~ '__,_-__- _' ,,' _,- _':- __": c or by making a direct payment to Borrower. If a refund reduces principal. the reduction will-be treated as a partial prcpaymcnUl~-:tIle,:~.",~,( IN WITNESS WHEREOF, Borrower has executed this Adjustable Rate Rider, ~: ---.-... .;// . - J 6;;':::'-:':-// ~ ../ BORROWER '1 '7 / . /7.l/ d-<'<'d.CU:. {_-CZjf <o~ Juen th Ann Smith BORROWER ......?r AArG. Bruce I. Smith '(SeiI) : BORROWER _ (SIGN ORIGINAL ONLY). -0 ::x ;::::; ~...~ t":>.(Il It> 0.-1 ~~ f .'Ill ~i~~io ~ F:~ ',,'~ ~ r~ .' O~ "",- > 0)2' --(J'>..... UlP fI> p ~ co -&: ::s>o c:: .., )> lit ~ ;V )> ~ ~)J : ~ ~~ en ~ ", -j (;-") t r"-i :- = l