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200102475 <br />0005931882 <br />To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to <br />Lender's consent to the loan assumption. Lender may also require the transferee to sign an <br />assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the <br />promises and agreements made in the Note and in this Security Instrument. Borrower will continue <br />to be obligated under the Note and this Security Instrument unless Lender releases Borrower in <br />writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice <br />of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is <br />given in accordance with Section 15 within which Borrower must pay all sums secured by this <br />Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender <br />may invoke any remedies permitted by this Security Instrument without further notice or demand on <br />Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />n <br />0 <br />(Seal) <br />BEVIE LY . HILLKEMEI E - orrower <br />(Seal) <br />ALA R. ILKEM -Borrower <br />RIDER - ARM31 Form 3111 1/01 <br />ECO21L Rev. 11/14/00 <br />(page 3 of 3 pages) <br />