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200204381 <br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is <br />not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written <br />consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, <br />this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall <br />not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to <br />evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably <br />determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any <br />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 agreement <br />that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the <br />Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security <br />Instrument 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 given in <br />accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If <br />Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted <br />by this 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 />Fixed/Adjustable Rate Rider. <br />,e? " Seal <br />(Seal) <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER -- ONE -YEAR TREASURY INDEX -- Single Family -- Fannie Mae Uniform Instrument <br />C3182 - 10/30/2000 10020002081681 Page 3 of 3 Form 3182 1/01 <br />LASER PRO. Reg. U.S. Pat. & T.M.Off., Version citi 1.0.0.25 02/11/2002 (c) 2002 Concentrex Incorporated, All Rights Reserved. <br />