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<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 Security Instrument; GovernIng Law; Severablllty, This form ofSecuri~y Instrument combines uniform""venan~for~IioII"l
<br />use and non-uniform covenants with limited variations by jurisdiction to constitute auniformsecurityinstrum..,t'~efin&'tel!l,proll\=Wi:'
<br />Security Instrument shall be governed by Federal law ,and [he law of the jurisdiction: in -which- t.lte: PrQ~.-,~~~Jooat~~-JD.--.~.,.:; -
<br />provision or clause or this Security Instrument or the Note conflicts with applicable law,such conflict.hau:J1o~'af~
<br />Security Instrument or the Note which can be given effect without the conflictingprovi$ion"llII\I'tothis,eJld:1hei!i!:i~mQ
<br />Instrument and the Note are declared to be severable. - ,- > "
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<br />E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
<br />Uniform Covenant 17 of the Security Instrument is a..1J1ended to read as follows: - - __ ,': ,.:~: __:-:, .-_: .--.. ,_ :,:_::::,:.<,~">;~",,,:
<br />11. Transfer of the Property or a Beneficial Interest in Borrower, If allor any parl of tI1eproperty or llIIin~restth~r~i,s(lI~Jlr'
<br />(or if a beneficiai interest in Borrower is soid or transferred and Borrower'is not a-natutal__perso:n)_-Wi~o~r~~~J_f~?~:~~-fi
<br />lender may. at lender's option, declare all the sums secured by this Security Instrument to be, immediatel~due'and'pO.lllbIe.
<br />option shall not be exercised by Lender if exercise is not authorized by_Federallilw. - _ ~.-_- - ,',__'
<br />If Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration -in _ac:coidan.~ Wlth~;~~;,J~:1-
<br />notice shall provide a period or not less than 30 days from the date the notice is mailed within which Borrower'lItay,p!,Y:th~'~)'F~'
<br />Borrower fails to pay such sums prior to the expiration of such period, Lender may. without further notice_or';dem~,'o~ ~tio~~'
<br />remedies permitted by paragraph 18 hereoL .: . " . "". <'",'::\,'
<br />Notwithstanding a sale or transfer, Borrower will continue to be obligated under the Note and-this Secu:rity I~ment_~~:;;~-'
<br />released Borrower in writing. - ~ . > .
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<br />F. LOAN CHARGES '. .",'., ".".... '. ,,:if',,:;
<br />If the loan secured by the Security Instrument is subject to a law which sets maximum loan charges, and that ~w is fi~~in~~~'~~~~~~;,_:::
<br />interest or other loan charges collected or to be collected in connection with the lopo' e> ;ed permitted limits, then: (l)anySllcltI"'llIIC~IiII"I"<
<br />!:n: redu~ by the a.."nount nArOMs::'ry to reduce Lite charge m t.:'le ~rmit!:~ :~t;. ~_.:! {2) any sums- alreadY:--~oJJ..."'Ct~~,';f~~~~~~:::-~'Y~:~ _
<br />exceeded permitted limits will be refunded to Borrower, lender may choose to make this refund by reducing the principitIowed under~N6te'
<br />or by making a direct payment to Borrower. I f a refund reduces principal, the reduction will be treated as a partial prePayment UDdcit ~,~~!~~,-,
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<br />IN WITNESS WHEREOF, Borrower has executed this Adjustahle Rate Rider,
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<br />Rick D. Poppe
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<br />(Seal)
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<br />(SIGN ORIGINAL ONLY)
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