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200412034 <br />245408480 <br />Lender to evaluate the 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 that the risk of <br />a breach of any covenant or agreement in 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 <br />Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption <br />agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and <br />agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under <br />the Note and this Security Instrument unless Lender releases Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice <br />of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered <br />or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to <br />pay these 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 this <br />Adjustable Rate Rider. <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />-838U (9705) Page 3 of 3 Form 3138 6/94 <br />0 <br />