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� � l � � � t� � <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) Bonower 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 determines that Lender's <br /> security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in <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 agreements made in the Note <br /> and in this Security Instrument. Bonower will continue to be obligated under the Note and Security Instrument <br /> unless Lender releases Bonower 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 agrees to the terms and covenants contained in this <br /> Fized/ justable Rate Rider. <br /> �2�%�'G��GG�J f? � (Seal) (Seal) <br /> PATRICIA ANN LYONS _ga�µ,er -Borrower <br /> "` (Seal) (Seal) <br /> ��o n a r d W. L y S -Borrower -Borrower <br /> [Sign Original Only] <br /> Fixed/Adjustable Rate Rider-Libor <br /> �-1956016 lssi o1 Page 3 of 3 <br /> TM <br /> Loan No. 8665358-30784 <br /> 26RID3/19S60t63(02123/99) <br />