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200402013 <br />0135146942 <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 may also 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 <br />Adjustable Rate Rider. <br />(Seal) <br />PAMELA DUERING -13orrower <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER - 1 YEAR LIBOR INDEX ECO57L Rev. 01/15/02 <br />Single Family - Fannie Mae Uniform Instrument (page 3 of 3 pages) <br />