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200212319 <br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if <br />Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) <br />without Lender's prior written consent, Lender may require immediate payment in full of all sums <br />secured by this Security Instrument. However, this option shall not be exercised by Lender if such <br />exercise is prohibited by Applicable Law. Lender also shall not exercise this option if (a) <br />Borrower causes to be submitted to Lender information required by Lender to evaluate the <br />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 <br />a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. <br />To the extent permitted by Applicable Law, Lendermay charge a reasonable fee as a <br />condition to Lender's consent to the loan assumption. Lender may also require the transferee to <br />sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep <br />all the promises and agreements made in the Note and in this Security Instrument. Borrower will <br />continue to be obligated under the Note and this Security Instrument unless Lender releases <br />Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give <br />Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from <br />the date the notice is given in accordance with Section 15 within which Borrower must pay all <br />sums seemed by this Security Instrument. If Borrower fails to pay these sums prior to the <br />expiration of this period, Lender may invoke any remedies permitted by this Security Instrument <br />without further notice or demand on Borrower. <br />MULTISTATE ADJUSTABLE RATE RIDER WSJ OUe -Year LIBOR— Sm&Family— Faonie Mee UNIFORM INSTRUMENT Form 3199 6101 <br />B8£Jl'849'. :veviee. Page 3 of <br />