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<br />D. UNIFq~~~tlWV INSTRUMENT; GOVERNlNGLAW;SEVERABILITY
<br />Uniform Covenant 15' o{the Security Instrument is amended to readasrollows:
<br />15, Uniform Security Instrumeat;Govemlng un.; !levet1lblUty, This fonnofSecurity InstnlmentcombinesUniformCOVenim~~ori#ati~'\
<br />use andnon-uniform coveoantil with limited variations by jurisdiction to constitute a unifonnsecurilyjnstrul\lenn:overill(rielll;~
<br />Securily Instrument shall be governed by Federa/Iaw and the, law of the juris<!i<:tioninwhich'the:l1
<br />provision orelause of this Security Instrumentor the NoteconllictswithappIicablehiw,suclt<:Ollt1kt
<br />Security Instrumenl or the Note ,which can he given erfectwithouttheconflicting'provision,'andto'tbls~lhe;;p#>~'
<br />Instrument and the Note are declared to be severable, ' ,
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<br />E, TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST INBORROWiilR,
<br />Unirorm Covenant 17 orthe Security Instrument is amended to read as follows: " , ,,' '",,'"
<br />17, Transfer of the Property or a Beneficial la_In Borro....' Ir all or anYparlofthe Pr<lpe!'tyol an~~I~t'lh",~ll;is
<br />(or if a beneficial interest in Borrower is sold or transferred and ,Borrower is notanatural.pet'So~)witllouf' .
<br />Lender may, at Lender's option, declare all the sums secured by this SecuritytnstrumenttobeimmedlafO!Y, ' ','
<br />option shall not he exercised by Lender if exercise is not authorized by Federallaw, , ,',,' '" "i : ,':'
<br />lr Lender exercises such option '0 accelerate, Lender shall mail Borrower ,notice of accelerationin~r~'wjth\'"
<br />notice shall provide a period of not less than 30 days rrom 'he da.. 'he notice is mailed within which IlOrro'l'''' lI!'lY;paY':tIl
<br />Borrower fails to pay such sums prior -to the expiration of such period. Lender may~-- without further- noticc..:or_deinaBd,ml
<br />remedies permitted by paragraph 18 hereor, ".':' :>
<br />No'withstanding a sale or lransfer, Borrower will con'inue to be obligated under the No~eand tlUs SecuritY.1nslrunlellt#l~
<br />released Borrower in writing.
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<br />F. LOAN CHARGES
<br />If the loan secured by the Security Instrumen, is subjec' 10 a law which sets maximum loan charges; and tha~Iaw,is finally in ,
<br />interest or other-loan charges coilectcd or to be collected-in connection with the i-oar' ~ .:eed:permiued limits.- th~::li~_~i;~u~t" _;,
<br />he reduced by ,he amoun' necessary [0 reduce the oh:uge to the pe.rmitted it; IDd (2) any sums already'colleCted'if'!m;i.llQtt" ',",'
<br />exceeded permi~ted limits will be refunded to Borrower, Lender may <hoos<; '0 make this refund by redUcingtheprinci!l"1owed:~.~i,:,
<br />or by making a direc, paymen' '0 Borrower, If a refund reduces principal,the reduction will be treated as a partial prepayment~.thei)Io"".i"
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<br />GUNTHER W. BAKER BROWER
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<br />IN WITNESS WHEREOf. BoII'o..... bas ex....ted tlUs Adjustable Rate Rider.
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