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assumption and that the risk of a breach of any covenant or agreement in this Security <br />Instrument is acceptable to Lender. <br />To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a <br />condition to Lender' s consent to the loan assumption. Lender may also require the transferee <br />to sign an assumption agreement that is acceptable to Lender and that obligates the transferee <br />to keep all the promises and agreements made in the Note and in this Security Instrument. <br />Borrower will continue to be obligated under the Note and this Security Instrument unless <br />Lender releases Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give <br />Borrower notice of acceleration. The notice shall provide a period of not less than 30 days <br />from the date the notice is given in accordance with Section 15 within which Borrower must <br />pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to <br />the expiration of this period, Lender may invoke any remedies permitted by this Security <br />Instrument without further notice or demand on Borrower. <br />Clapp <br />MULTISTATE ADJUSTABLE RATE RIDER <br />USARM3.RID 03/06/13 Page 3 of 3 <br />201707543 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) w \C — C:).4- (Seal) <br />- Borrower Linda K Oakley - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />[Sign Original Only] <br />DocMaglc egbOINDE <br />www.docmagic.com <br />