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I r I). UNIFORM liECURJTY INSTRUMENT: GOVERNING LAW; SEVERABIUTY Uniform Covenant 15 of Ihe Security Instrum""l is amended to read as follows: 15. UIIif<<m Secarity 1__ GoYmIlJIc LaW; SeftnIiIilIiy. This form of Security Insuum""t combines uniform cov,",1llUS for national "'" and non.uniform COV"",OUIS with limited variations by juri.dktion to constitute a uniform security instrument covering real property. 'This Security IlIS!I'll!mnl shall. be governed by Fedetallaw and the law of the jurisdiction in which the Property is located, In the event that.any prO\ision or- clause of this Security instrument Of the NGte conflicts with applicable law, such eu-nflict sr.aU not affect other, pr~Ons of tJm Security.lnstru....." or the Note ..1li<:h can be given effect without the conflictip.g provision. and wthis end the provisions of this Security instrument and the Note are riedared to be severable. E. TRANSFER OF THE PROPERTY OR A BENEFIOAL INTEIlES'1' IN BORROWER Uniform Covenanl 17 of lbe s..:urilY Insuumc:m is arnmdc!d to IUd as follow&: 11, Tnullfer of the ~ on IIotoeIldalla_ iD Ilerrower. if all or any part of the Property or an interest ~bereht is sold ortrlUlSferred (or if a benefldal interest in Borrower is sold or transferred and Borrower is DOl a natural person) witboutLender's prior. wrilUD eoment, Lender may, at Lender's option, declare alllhe sums secured bytms Security Instrumenl to he immediatdy<lue andpa)'llble. However. this: option shall not he exercised by L""der if exercise is not authorized by Federal law, Ir Lender oen:ises such "!>lion 10 alUierate. Lender shalllilllil Borrower notice of acceleration in accordance with ~.I".l1er<!of..SUd1 nOlltt shall provide a period or not less lhan 30 days from the date the notke is mailed withio which Borrower may pay the.sums:deelllied:.'lf" BorrOWC1' rails 10 pay such rums prior 10 tbe expiration of such period. Lender may. witbout funher l\O!iQe or demaIldon.~.ii>~_. remedies permitted by paragraph 18 h<:reof, '. '. . . ...' ....i,.>:. NatlI!o1~bstanding . sale or transfer, Borrower ..'ill conlinue 10 be obligated under the Note and this Security I~ 1lJlieloI.~;iIils;":; released Borrower in writing. ~ . --'c }", 1.0ANCHAIlGt:S . . ...... If tbe loan sc;;ured by lhe Seenn" Instrumen! " subject tG . law wlucil..;, ' . " ;;"".loan cha.'1W'. and that law is.finally ~...~:~~.....,::.,. lDlttCOt or ",her loan charges ,oilectChe redu=! by the &mOUnt n=:wlry to reduce the clulr~ 10 the pmnilted limit; and (2) any sums already colIocteltftoma..~~'~:: <xceeded permittedl'TllJI$ ....n be refunded 10 Borrower, Lender may choose to malte this refund by rcdudnII the llrincipalowecl....,.ticIlit,. or by makin, a rofO::1: payment to &m~er. If a rtfund reduces principal. the rc!duction will be treated u. partial ~ ~~~; IN \l1TNEliS WHEREOF. 8<Irrowu.....CUCOItIid tItlaAdjlaIaIoIelbleRNor. J;/ '.-c' <.-1... - _~_~ <, "'...--1 ? i/7la_<v~ BORROWBk ($eal) Michael O. Martin /t'j.'r-17: 1(1"' .J.,J yruz /\ 7;;:'1 . _ . I~ aoalOW1:)JL ~ ''if"l!"h13 JO Marti., (.~. BOnoWllR tSIGN ORIGINAL ONLY) (SIal) P ':"" L lit iD Ul =i :t'i ):10 0 ..... .. y, 0:> ~ = ;") "~' .-> -< ;) ..... - LQ "' ~\~ -0 '1 f .." '~? '" '" '-" C> (II <:> -I ('= J> :~ ~ 00 ..s::.. I ...... ~ i a.. <~~.. -C) llf ... :....:-~ '-:"1 ~rl z~ C"l n 0: ~~~n; o g '" i a 'Z !J ,c