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20040`527 <br />exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this <br />option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended <br />transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determinesthat Lender's <br />security will not be impairedby the loan assumptionand that the risk of a breach of any covenant or agreementin <br />this Security Instrument is acceptable to Lender. <br />To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's <br />consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is <br />acceptable to Lender and that obligates the transferee to keep all the promises and agreementsmade in the Note <br />and in this Security Instrument. Borrower will continue to be obligated under the Note and Security Instrument <br />unless Lender releases Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of <br />acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or <br />mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay <br />these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security <br />Instrument without further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and <br />Fixed/ u table Rate Rider. <br />(Seal) <br />DAR I N D JA - Borrower <br />[Sign Original Only] <br />Fixed /Adjustable Rate Rider - Libor <br />- 1956016 195101 <br />Plib2u 3 -Ibm <br />_ (Seal) <br />- Borrower <br />agrees to the terms and covenants contained in this <br />(1W (/U.) `� (Seal) <br />JANI E L JARES - Borrower <br />Page 3 of 3 <br />—(Seal) <br />- Borrower <br />