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200103797 <br />transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan <br />assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is <br />acceptable to Lender. <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 assumption <br />agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and <br />agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under <br />the Note and this Security Instrument unless Lender releases Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give Borrower <br />notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is <br />delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If <br />Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies <br />permitted by this Security Instrument without further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />J R SPEA - Borrower DENELDA C. SPEASE - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />� - 6268008 (9710) Page 3 of 3 <br />TM <br />Document # L392X <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />