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Uafam CbveR~sc l~ o! cbe Sacuncy Ia~crtien~nc a amcad~d a red as fdbr?s:
1~. N«!a. gx,apt 6ot mr noc~oe rp~++red under applic,~bk law to be tiven in anocher msnner. (al anY noi~ce to
S~Cyriq [ast~t shall bt pve~ br deliver~n~ it or bp ma+lin~ ~t by flrst class ma,l
sddrwrd to BoROwr at tbe Pro~pe~tr Ad~taa ot u sucb otlkt addtets at Botrowet msy des~p~ate b~r nouce to Lender as ~I
p~+o~,ided bs~in. aa~ (~}~ar ewtiu to Lender sl~aU be pvm by Ant claas rna~i co i.snder's addrcas suead here+e or to such '
a~ ~~+~a as L,ender mar da~Rnaq bp nouae w 8ornowre~ aa prov~ded heraA. Anr note~ pro~idcd fot in this Secunty
Imtrumene shsU be deeened co have bea~ pven to Hornower or Lmdet wl~rn pva~ ~n ehe manner da~~aated herein.
D. UNIFORM SECURITY WS'I'~tUMENf: GOVERNING LAW; SEVERABILTTY
Un~form Covenanc 1 S o! the Secunty Irotrument is an~anded to read as follows:
iS. Uaitorm S~curitr Iaswmea~ Go~~rai~ Lw; Ss~snbtlity. This focm of Security [estrument combina un~form
covenants for nauonal use and non-unifotm covenants with limiced vtriations by ~unsdicuon to consucuce a unif~rm
securicy instrument coverin~ real property. This Sacunty lnstrumenc shall be Qoverned by fedecal law and the law of ihe
~unsdiction in which the Property is lucated. In the event that any prov~s~o~ or clause of this Secunty Instrum~nt or che
Note conflicu wuh appiicabie law, such confliet shall not aRxt ocher provisions of th~s Secunty [nstrument o~ the tiote
wh~ch can be g~~ce? effect w~thout the conAicnn~ provu~on, and to thi~ end the provuwns of th~s Secunty lnstrumenc and
the Nate ue dxlued to be severable.
E. TRANSFER OF ?HE PROPERTY OR A BENEFICIAL LNTEREST IN BORROWER ~
[.'n~form Covenant 17 of the Secunty lnserummc is amended co rad as foliows:
17. Tnasfer ot t6e Prvperty o~ s BeneRcia! Interat ia Borrowet. If all or any pin of thr Property or an interat chere~~
is sold or transferred (or if a beneficial interat in Borrower is sold or transferred and Borrower is not a natural person)
without Lender's pnor wntten consent. Lender may, at Lender's opt~on, declare all the sums secured by this Secuney
lnstrument to be ~mmedia[ely due and payabie. However, th~s opt~on shall not be exercised by Lender ii e~erc~x is
proh~b~ted by Federal law ~s of the date of th~s Secu~~ry (nstrument
!f Lender airrc~srs such upuon to accelerate. Lender shali ma~l E3orrower nocice oi iccderat~on ~n a.:~ord.+nce w~1h ~
paragraph l4 hereoC Such not~re shall prov~de a per~od of not Irss than 30 days from tfie date the not?cr ~s ma~ieti wi~hin
wh~ch Borrowtr may pay the cums declared due. if Borrower fails to pay such sums pnor to the expirauon of iuch penod.
Lender may, w~~hout further nunce ur demand o~ Borrower, ~nvote any remeei~es perm~~ted by parograph IS hcrcof.
! 'v'otw~thstand~ng a salt or transler. Borrower w,ll conanue to be obliga[ed undet the Nott and th~s Srcunry lns[rumtnt
unless Lende~ has releaxd Borrower ~rr wnting.
F. COVENANT DELE?ED
Non-U~iform Co~ena..t 21 of the Secunty [nstrument ("Fuwre Advances") ~s dcletc~i.
G. LC1A:~I CHARGES
' [f the loan iecur.l by the Secunty lnstrument ~s sub~ect to a!aw wh~ch se~s max~mum tcan chargrs, and th:,t law ~s hnall~
' ~nterprceed so tha~ the incerat or other loan charga collected or to bt coikcttd ~n connecuun w~[h the loan tx.trd
~ permitted limits, then: (1) any such loan charge shall be reduccci b} ~hz amount necasary eo reduce ~he charge to che
'i permi[[ed I~m~t; and (2) any sums already collected from Borrower wh~c:h txcetded ptrmitted limus w~il bt refunded to
f Borrower. Lender may choose to mskz th~s refund by reciuc~ng tfie pr~n~ipal owed under the IYutr or by making a d~rect
~ payment ,o Borrower. If a rcfund reduces pnne~pal, the reduction wilt bc treated as a part~al preQaymCnt under the '~ote.
` H. LEGISLATION
~ If, after the date hercof, enactment or exp~ratien of applicablc laws have the t~i'rct cither of rendtnng the pro.uions oi the
€ Note, the Secuney (nstrument or this Adjustable Rate Rider (other than th~s paragraph H1 unenforceable accor:f~ng to
~ thnr terms, or all or any part of the sums xcured hereby uncollectable, as otherwix providtd in the Secur?ty [nstrumrnt
} and thts Ad)ustable Rate R~der, or of dimin~shing the value of Lender's secunty, thtn Lendcr, st LenJcr's opt~~n, m~y
~ declare all sums secured by the Secunty Instrument to be immed~atdy due and payabie.
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~ IN WIT'~ESS WHEREOF. Borr~wer has execuced this Adjustable Ra e R~de
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