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0 (Ej Eifective Date ot Ch�nges �� p� ►7 Iviy new in�erest race will become effective on eacfi Change Date. I will pay the amount of my new mrmthly payment beginning on the furt monthlY payment date after the Cha�ge Date until the amount of my monthlY payment changes again. (F�Nvtice of Cbanges . . "Ihe Not� Holder will deliver or mai! to me a nc�dce of aipy changes in my interest rase and thgyamount of my m�nthly payrnent before the effective date of any change.'Ihe notice will include info�mation required by law to be given me and aL,o the title and ielephone number of a geison who wiIl answer any qt�stion I max h�ve regarding th�notice. �.TRA1�iSFER OF THE PROPERTY OR A BIIVEFICIAL INTERES"I'IN BORROR�R , Uniform Covenanc 1?of the S�urity Instrumenc is amended to read as follows: � Transter of tl�e Property or a BeneE'�cial Int�est in Borrower. If all or any pazt of th�Properiy or any interest in it is sold or transferned (or if a beneficial interest in Borrower is �Id or transfenr�: snd Borrower is not a natural person) withoat Lenaer's prior written conseni,Leada may,at its option,re9uire imm�iate PaYment in full of all sums sxured by �his Security Inswmen�However,this aption shall nat be cxercised by L,ender if eacercise prohibited by federal3aw as of'the datc of this Sec�irity Instrument Lender alsc� shal�not exerci�e this ogtion if: (a)Barrower causes to be�bmiu,ed m Lender infonnation reqvired by Lender w evaluate ihe inta►dod transfer�as if a new loan were being made to the uansferee;and(b) Lender reasonably determin�s that Lender's secarity will not be impaired by the 1oan assumption and that the risk of a bms�ch of any covenant or agreeme.nt in this Security Inswment is�table tn Lender. To the�extent pexmi�by a�plicable law,Lender may charge a:rasonable f�as a conditian to Lender's consent to the loan assumption.Lender aFso may require the teansfer�to sign an assumption agraement that is acceptable to Lender and that abligates the transferee to kceg all the promises and agreements m�ie in the Note and in this Security Inswment Borrowa will continue to be obligated under the Note and this Security Instrumeni unless Lendcr releases Borrower in writing. If Lender ezercises the option tn require immediate gayment in full,I.enda shall give Borrower notice of accele�ation. The notice shatl provide a �iad of not less than 30 days frem the date the notice is delivered or mailed within which �orrower must pay all s�uns secured by this Security Inswment ff Borrower faiLs to pay these sums prior w the expiration of this period, Lender may invoke any remedies pesmitted bv this Security Instrumea�t without further nocice or dernand on Borrower. BY SIGNII�tG BEIAW, Borrower accepts and agrees to the terms and covenants contained �n this Adjustable Rate Rider. . (Sea1) % Borrower ��U t („�.X , ($C81� SHF3ILA R FiUI,ME Borrow�er (S�) �� Bort�ower _ �S�� Borrowe� � • , .� . • . . �-899Ac�oe1 �ap•2 or 2