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<br />effect without the conflicting pravisioa: and to tilts end the provisions of this Security Instrument and the Note are declared <br />to be severable. <br />F.. 't7tANS€ER OF THE- PROPERTY; ASSUMPTION. <br />(' C'niG~rm Covenant I' 2~f the Security Instrument is amendaG to read us followsi <br />i 7. iY~er o[ the Property: Assumption,.. if all or any prat of the Property or an interest therein is sti9d or trapsferrad <br />by Botmwer w>Tthont Lender's'prictr written cansenf.excinding-(a} the crcatiorcof a1ienor encumbrance subordinatetothis <br />Security In;we,ent which does not relatetci a transfer of rights of occupancy in'the property; (b?: the creation of a purchase <br />money sn:urity interest far household apgliances; (c) atransfer 6y devise.. descent orbv operation of law ~.gon the: death of <br />a joint tenant or (d} the grant of any leasehold interest of three years or Jess not containing an option to purchase.,Lender <br />may, at Lender's option, declare ail the sums secured by this Security Insttutnent<to be immediately due and payable.. <br />!s Ix:cder exercises sucfi option tq accelerate; Lenderahall marl Borrower notice of :acceleration in accordance with <br />paragraph I A hereof. `Such notice shall provide a period of not .less than 30 days :from. the date he notice is mailed' within <br />which &•*rrower ntap• pay the'sums declared due: Cf Borrower foils ro pay such sums prior totlre expiration of such period.' <br />lzndcr mav. without further notice ar detnand on Borrower, invoke any remedies peimitted by paragraph I R hereof: <br />[.ender mav consent to a sale ar transfer if: (1 } Borrower causes [o he submitted to Lender information required by <br />Lenderut evaloao°-thetransfereeas ifanew 4oan A•ere'being. made to the transferee; (21 LenderrcasonablYdetermines.that <br />Lender's secant} will not rte impaired and that the risk of a breach of any covenantor agreement in this Security Instrurnenr <br />is accc:ptahle. i31 intarasi wilt be payable on the sums secured by this Security [nstrtrment at`a ra[e acceptable zo'I.eoder, <br />(4) changes rn rite. terms of the Note and this S~urity Instrument required by Lender are made, including, for example:. <br />periodic adjustment in the imerestrate, a cifferenrfinal pav°rnent date for the loan, and addmonof unpaid interest to principal: <br />and (3) the transferee signs sn assumptiomagreernent tharis acceptable to,Lender and that cibligates the transferee to keep <br />all the promises and agreemants made iR the Nate and in this Securirv Instnument: as modified if toquired by Lender. To the <br />extent pcrnritted hg applicable Faw, Lenderalsa may cSarge a reasonable fee as aconditian to [.ender's consent to any sale <br />or teansfcr. <br />Borrower ~vili cortinue to tie obligated under ttte Note and this Security instrument unless Lender releases Borrower <br />in writing. <br />R .BORROWER'S RIGHT TO REINSTATE:.. <br />!.lots!}niform C~wenant t~ i "Bortower'sRight taReinstate" lis amended to read as-follows: <br />19. Borrower's RiRh! to Reinstate:. Notwithstanding Lender's acceleration of the sums secured ' by this :Security <br />Instntment,Acrmwer hall have: the nghf to have"any proceedings benun by Lender to .enforce this Secunty Instrument <br />discontinued only 3f applicable`law sa provides. Arty right «i reinstace'shall be exercised in he manner required by such. <br />law. <br />G. NO FI!TURE ADVANL'ES <br />Non-I3nifrnm Covenant 3I ~f the Stxurity lnsttument ("Future Advances"} is deleted. <br />H. LOAN' CHARGES <br />If the loan secured bythe Security Instrttmem r, subject to a law which sets maximtim loan charges, and'that law is!fina[ly <br />inurpreted ui that the interest another-loan charl;r .utlccted or ut be collected in cannechon with the loan exceed permitted <br />..limits. [hen- I i) any such loan charge shall. be reduced by' the amount .:_.:essary to reduce thecharge to the permitted limits; <br />and {?) any sums already collected from Sotmwer which excteded permitted limits will be :refunded to Borrower-.Lender <br />may choose to make-this refund by reducing the principal owed under the i\ote or by' making a direct: payment [o Borrower. <br />If a refund reduces prirtcipat, the reduction will 6e treated as a par[ial prepayment under the Note. <br />1. LEGISLATION <br />[f, after [tie date hereof. enactment or expiration of appheable laws have the effect eitner of rendering rhe(provisioras of the <br />Ncxe. the Security inctrunlenr nr this ~djus[able Rate Rider-tottier thaif this paragraph (l ui~nfarceableaccordingio their <br />term,, iii a!1 or any part of tfie sump lceured hereiiy' uacuHedable, as o[herwise provided in the Security Instruroent and this <br />Adjustable Rate Rider, or of diminishing the valua of Lender ; sec unnc thin Lender, at Lender's option.. may declare akl <br />sums scr,ured by tha.$ecunty Lnstrumen! w t>e itnmediateh due aridpayable. <br />CN wrrNL$s VYI{ERhOF, B~rzrvwer ha:. executed this Ad)ustablc Payment Rii3zr_ <br />if _ ~ f, <br />h~.~ . J~...`. ;<G?-s-1-wr,~2~.` , .. .. (Seal,, <br />?1111 L. `±ov,irt{el ' -BoROwei <br />.lary:t v~winkel -Borrower <br />..... ..:....... ...:....... ... ..:.:...............:. (Seal} <br />' (Sign'Orfgrhal Unly,'~ <br />