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200206071 (D) Limits on Interest Rate Changes The interest rare 1 am required to pay at the first Change Date will not be greater than 13.875 % or less than 10.875 %. Thereafter, my interest rate will never be increased or decreased on any single (7hange Date by more than ONE AND ONE HALF percentage point(s) ( 1.500 %) from die rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 17.875 %, or less than 10.875 %. (E) Effective Date of Changes My new interest rate will become effective rah each Change Date. I will pay the amount of my new monthly payment beginning nn die first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Ilolder will deliver nr nail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given Tire and also the title and telephone number of a person who will answer any question l may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of tie Security Instrument is amended to read a, follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of die Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender nary, at its option, require immediate payment in full of all sums secured by this Security ITiadru TICIlt. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a now loan were being made to the transferee; and do Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender Tray charge a reasonable fee as a condition to Lender's consent to the Ivan assumption. Lender may also require the trmnsterec to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements nude in the Note and in this Security Instmmeut. Borrower will continue to be obligated under the Nom and this Security hatrument unless lender releases Borrower in writing. If Lender exercises the option to require irnrnediate 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 widdn which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these stuns prior to the expiration of this period, Lender may invoke any rmnedies permitted by this Security histrumem without further notice or denand on Borrower. DDS WMK fags Y of 3