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C. NOTICE
Uniform Covenant 14 of the Security lnstrument is amended to read as foltows: _ ~ t
11. Notice. Except for any notice required under applicable law to be given in another manner, (a) any notice to
Borrower providcd for in this Security lnstrument shall be given by delivering it or by mailing it by first class mail
addressed to Borrower at tht Property Addras or at such other address az Borrower may designate by notice to Lender as
~rovided herein, and (b) any notice to Lender shall be given by first class mail to Lender's address stated herein or to such
other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Security
[nstrument shall be deemed to have been given to Borrower or Lender when given in the manntr dcsignated herein. I
D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY '
Uniform Covenant 15 of the Security Instrument is amended to read as follows: ,
15. Unitorm Security Isatrumcnt; Goveralp~ I.a~; Sevenbility. This form of Security (nstrument combines uniform '
covenancs for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform ~
security instrument covering real property. This Security instrument shall be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security instrument or the ,
Note conflicts with applicable law. such conflict shall not affect other provisions of this Security [nstrument or the Note ~
whic~ ~ie aiven ~~'frc~ yrith~~~t th~ rnnfli~tino nrnyiei~n3 ?nr1 tn ~hiS en~ the nmv~cennc t?f !hic Gr~~ritv Inctn~m~nr: an~
cne I~lo[e art dtCiSleti to bt sevtrable. ~ I
E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
Uniform Covenant 17 of the Security lnstrument is amended to read as follows: ,
17. Transter ot the Properry or a Beneticial laterat ia Borrower. If all or any part of the Property or an interest therein
is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)
w~ithout Lender's prior written consent~ Lender may, at Lender's option. declare all the sums securtd by this Security -
Instrument to be immediately due and payable. However, this option shall not be exercised by Lender if exercise is
prohibited by Fed~ral law as of date of this Security [nstrument.
I f Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with
paragraph 14 hereof. Such ~otice shall provide a period of not less than 30 days from the date tho notice is mailed within
which Borrower may pay the sums declared due. lf Borrower fails to pay such sums prior to the expiration of such period.
Lendrr may. without further notice or demand on Borrower~ invoke any remedies permitted by paragraph 18 hereof.
Notwithstanding a sale or transfer, Borrower wiQ continue to be obligated under tho Note and this Security instrument
~~nkss Lender has released Borrower in writing.
F. COVENAIYT DELETED
Non-Uniform Covenant 21 of the Security [nstrument ("Future Advances") is deleted.
G. LOAN CHARGFS
If the loan secureei by the Security Instrument is subject to a law which sets maximum loan charges~ and that law is finally
interpreted so that the interest or other loan charga collected or to be collected in connection with the loan exceed
' permit~ed limits, then: (1) any such loan charge shall be reduced by the amount necessary to reduce the charge to the
" ~ermitted limit; and (2) any sums already collecttd from Borrower which exceeded permitted limits will be refunded to
~ Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct
; payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment under the Note.
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~ H. LEGISLATI~N
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~ f f, after the date hereof, enactment or expiration of applicable laws have the effect either of rendering the provisions of the
f Note, the Security Instrument or this Adjustable Rate Rider (other than this paragraph H) unenforceable according to
their terms. or all or any part of the sums secured hereby uncollectable, as otherwise provided in the Security Instrument
~ and this Adjustable Rate Rider. or of diminishing the value of Lender's security, then Lender. at Lender's option, may
declare all sums secured by the Security Instrument to be immediate[y due and payable.
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IN WITNESS WHEREOF, Borrower has executed this Adjustable Rate Rider.
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~MIC AE~SUCAtO -eorrower
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~ MICI-iELE~A~. ~WILLIA~'1S -eorrow~~
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(Sign Orginal Onlyj
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AR1~1 Pider-Plans A•2 and A•3 (Page 2 of 2 pages)
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