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200201096 To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this. Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. BY: SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. )�Z -/L ......................................................................... ............................... Thomas R. Ellison Borrower "U.Q... ... ............................... �-i- zabeth A. Ellison Borrower Notary Public -c h On this Z day of January 2002 before me, the undersigned, a Notary Public duly commissioned and qualified for said county, personally came Thomas R Ellison and Elizabeth A. Ellison, husband and wife, to me known to be the identical persons whose names are subscribed to the foregoing instrument and acknowledged the execution thereof to be their voluntary act and deed. Witness my hand and notarial seal at Grand Island, Hall County, Nebraska. My Commission Expires D Notary Public. {Sealed by Notary Public here} III GENERAL NOTARY State of Nebraska VIVIAN B. KORGEL My Comm. Exp. May 12, 2004