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<br />D. UNIFORM SECURITY INSTRtJMENT; GOVERNING LAW; SEVERABIUIY
<br />Uniform Covenant I $ of the Security Insli'UR1ent is amended to read as follows:
<br />15. UIIif_ SeaIttIJ ~;Go""" LaW; Se\IeraIllIIty. 'This form of Security Instrument combines uniform coveaants for natiooal
<br />use and non-uniform covenants with limi'ed variar:ions ,by jurisdiction to constitute a uniform security lnstrwnent coverll'.tl real~, Th-.is
<br />Security InstrUnlent shall be governed by FederaI!aw and the !awof the jurisdiction in wbicb the Property is 1oc:atW, In the ew:nttbataay
<br />provision or clause of this Se<:urity In..<l!'lllllenl or the Note conflicts with applicable Ia"" such conflict shall not affect other provI.siolIsof this
<br />Security Instrument or the Note wbicb can be given effect without the conflicting provision, and to this end the p>'?VisionsoflbilSecurlty
<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 DOIl.'WWER
<br />Uniform Covenant 17 of the Security Instrument is amended to read as folloW.:
<br />17. 'fru.tfer of lIte Property or . IIeedIdaI I.... Ia............. If all or any part of the Property or an interest tbcnln Is toklor~
<br />(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) withoutl..eDdei"s ~ writtea toIBeDt;
<br />Lender may, at Lender's option, declare all the sums secured by this Security Instrumen~ to be immedialely due andllayableAlowewr.1hla
<br />option shall nOl be exercised by Lender ir exercise is nOl authorized by Federal law.
<br />If Lender exercises sucb option to accelerate, Lender shall mail Borrower notice of a=leratioDin aa:ordalIc& wlthlluqrllPIU4beieof.,Sueh
<br />notice shall provide a period of nOlless than 30 days from the date the notice is mailed within which Borrowerl1l&YPIY the suma~. ,If,;
<br />Borrower fails to pay such sums prior to tbe expiration of such period, Lender may. without further notice or demandOllBorro_,Ja~ob1lD3'
<br />remedies permitted by p;uagraph 18 bereof. ., ..,'
<br />Not"'itbstanding a saJe or transfer. Borrower will continue to be obligated under the Note and this Security Instnlment lIIIIcsI~~;;
<br />released Borrower in writing,
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<br />F. WAN CHARGES
<br />If Ihe loan secured by tbe Sc\:wity Instrument is subjeclto a law whicb sets maximum loan char&es. and that law isfinally~~:~~tIIe ,.
<br />interest or other loan charges collected or to be collected in connection with th. loan cxc:ced permitted limits. then: (I) IlUY ""~~~,1IiIIIIt
<br />be redu=! by the amount necessary to reduce the charge to the permitted limit; and (2) any SlUIIS alretldyc:olleculd:~~:;~,;; .
<br />exceeded permitted limits will he r.funded to Borrower. Lender may choose to make this refund by rcdw::in@ the!'riDd!'8l0w0d undet thli~ ~
<br />or by malting a direct paymeDtto Borrower, If a refund reduces principal, the ,c..' <:lion will be treated as a putiaI ~ UDdor.thct~,
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<br />IN WITNESS WHEREOF, Bormwer Ilas <lXftlI&ed liiio Adj....... Rate RIder.
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