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201903037 <br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if <br />Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) <br />without Lender's prior written consent, Lender may require immediate payment in full of all <br />sums secured by this Security Instrument. However, this option shall not be exercised by Lender <br />if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option <br />if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate <br />the 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 assumption and <br />that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable <br />to Lender. <br />To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition <br />to Lender's consent to the loan assumption. Lender also may require the transferee to sign an <br />assumption agreement that is acceptable to Lender and that obligates the transferee to keep all <br />the promises and agreements made in the Note and in this Security Instrument. Borrower will <br />continue to be obligated under the Note and this Security Instrument unless Lender releases <br />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 <br />the notice is given in accordance with Section 15 within which Borrower must pay all sums <br />secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration <br />of this period, Lender may invoke any remedies permitted by this Security Instrument without <br />further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Fixed/ <br />Adjustable Rate Rider. <br />Borrower <br />41°../73/,3-, <br />M t ew Rotschall <br />Seal <br />(((7 IL X2lij <br />ich e R Gotschall Seal <br />MULTISTATE FIXED/ADJUSTABLE RATE RIDER -WSJ One -Year LIBOR -Single Family -Fannie Mae <br />Uniform Instrument <br />VMP® <br />Wolters Kluwer Financial Services 2019052319.1.0.2413-J20180529Y <br />1346156 <br />Form 3187 6/01 (rev. 6/16) <br />02/2017 <br />Page 3 of 3 <br />