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� . <br /> y9 107372 <br /> LOAN #: 9765066 <br /> payment beginning on the first monthly payment date after the Change Date until the amount of my monthly <br /> payment changes again. <br /> (� Notice of Changes <br /> The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my <br /> monthly payment before the effective date of any change.The notice will include information required by law to <br /> be given me and also the telephone number of a person who will answer any question I may have regarding the <br /> notice. <br /> B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER <br /> Uniform Covenant 17 of the Security Instrument is amended to read as follows: <br /> Transfer of the Property or a Beneficial Interest in Borrower.Ifall or any part of the Property or any interest <br /> in it is sold or transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural <br /> person)without Lender's prior written consent,Lender may,at its option,require immediate payment in full of <br /> all sums secured by this Security Instrument.However,this option shall not be exercised by Lender if exercise is <br /> prohibited by federal law as of the date of this Security Instrument.Lender also shall not exercise this option if: <br /> (a)Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee <br /> as if a new loan were being made to the transferee;and(b)Lender reasonably determines that Lender's security <br /> will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security <br /> 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 agreements made in the Note <br /> and in this Security Instrument.Borrower will continue to be obligated under the Note and this 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 mailed <br /> within which Borrower must pay all sums secured by this Security Instrument.If Borrower fails to pay these sums <br /> prior to the expiration of this period,Lender may invoke any remedies permitted bythis 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 Adjustable <br /> Rate Rider. <br /> ���� �'� ��'�9 <br /> Mark A. Davis <br /> r <br /> Mar E. is <br /> MULTISTATE ADNSTABLE RATE RIDER-LIBOR 6 MONTH INDEX(AS PUBLISHED IN TAE WALL STREET JOURNAL) <br /> -Single Family-Fannie Mae Uniform Instrument <br /> Form 3138 6/94 Page 2 of 2 P5327RDU <br />