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200005780 <br />Transfer of the Property or a Beneficial Interest in Borrower. If all or any part <br />of the Property or any interest in it is sold or transferred (or if a beneficial interest in <br />Borrower is sold or transferred and Borrower is not a natural person) without <br />Lender's prior written consent, Lender may, at its option, require immediate payment <br />in full of all sums secured by this Security Instrument. However, this option shall not <br />be exercised by Lender if exercise is prohibited by federal law as of the date of this <br />Security Instrument. Lender also shall not exercise this option if: (a) Borrower <br />causes to be submitted to Lender information required by Lender to evaluate the <br />intended transferee as if a new loan were being made to the transferee; and (b) Lender <br />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 of agreement in this Security <br />Instrument is acceptable to Lender. <br />To the extent permitted by applicable law, Lender may charge a reasonable <br />fee as a condition to Lender's consent to the loan assumption. Lender also may <br />require the transferee to sign an assumption agreement that is acceptable to Lender <br />and that obligates the transferee to keep all the promises and agreements made in the <br />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 this option to require immediate payment in full, Lender <br />shall give Borrower notice of acceleration. The notice shall provide a period of not <br />less than 30 days from the date the notice is delivered or mailed within which <br />Borrower must pay all sums secured by this Security Instrument. If Borrower fails to <br />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 />Fixed /Adjustable Rate Rider. <br />(� 2 q�, . (Seal) <br />(Seal) <br />3182 (12/21/1999) [0020000112091 Page 3 of 3 Form 3182 5/94 <br />LASER PRO. Reg. U.S. Pat. & T.M.Off., Version 2.6.7.12 (c) 2000 Concentrex Incorporated, All Rights Reserved. <br />