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202140375 <br />immediate payment in full of all sums secured by this Security Instrument. How- <br />ever, this option shall not be exercised by Lender if such exercise is prohibited <br />by Applicable Law. Lender also shall not exercise this option if: (a) Borrower <br />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 <br />(b) Lender reasonably determines that Lender's security will not be impaired by <br />the loan assumption and that a risk of a breach of any covenant or agreement <br />in this Security 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 may also <br />require the transferee to sign an assumption agreement that is acceptable to <br />Lender and that obligates the transferee to keep all the promises and agreements <br />made in the Note and in this Security Instrument. Borrower will continue to be <br />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 <br />shall give Borrower notice of acceleration. The notice shall provide a period <br />of not less than 30 days from the date the notice is given in accordance with <br />Section 15 within which Borrower must pay all sums secured by this Security <br />Instrument. If Borrower fails to pay these sums prior to the expiration of this <br />period, Lender may invoke any remedies permitted by this Security Instrument <br />without further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Adjustable Rate Rider. <br />J <br />ANDREW MILLER <br />//q <br />2(iSeal) <br />wij <br />TAYLOR"MILLER <br />DATE <br />1/ I li/dil,ATE(s-l) <br />MULTISTATE ADJUSTABLE RATE RIDER - 3 YEAR ARM - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3114 1/01 (rev. 2/20) <br />Ellie Mae, Inc. Page 3 of 3 F3114RDU 0320 <br />F3114RLU(CLS) <br />