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200401453 <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 sums <br />secured by this Security Instrument. However, this option shall not be exercised by Lender if <br />such exercise is prohibited by federal law. Lender also shall not exercise this option if: (a) <br />Borrower 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 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 <br />condition to Lender's consent to the loan assumption. Lender may also require the transferee to <br />sign an assumption agreement that is acceptable to Lender and that obligates the transferee to <br />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 Lender <br />releases Borrower in writing. If Lender exercises the option to require immediate payment in full, <br />Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less <br />than 30 days from the date the notice is given in accordance with Section 15 within which <br />Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these <br />sums prior to the expiration of this period, Lender may invoke any remedies permitted by this <br />Security Instrument without further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Adiustable Rate Rider. <br />Borrower <br />Loan Number: 0055767859 - 9701 <br />(Seal) 74N-V (Seal) <br />Borrower MELANIE HAITH <br />(Seal) (Seal) <br />Borrower <br />610.3 (Rev 1101) Page 3 of 3 <br />02/10/2004 8:23:15 AM <br />