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� , <br /> � � gg_ �a,�,�; . <br /> information required by Lender to evaluate the intended transferee as if a new loan were being made to the <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 Bonower 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 � <br /> ( ) (Seal) <br /> DENNIS E. BAKER -Borrower NICKI . BAKER -Borrower <br /> (Seal) (Seal) <br /> -Borrower -Borrower <br /> (Seal) (Seal) <br /> -Borrower -Borrower <br /> -815U (9705) Page 3 of 3 Form 3192 7/92 <br />