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20050599'7 <br />exercise is prohibited by federal law as of the date of this Security instrument. Lender also shall not exercise this <br />option if. (a) Borrower causes to be submitted to Lender information required by Le de deteto <br />it t Lender' <br />as if a new loan were being made to the transferee; and (b) <br />security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in <br />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 Lender's <br />consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is <br />acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note <br />and in this Security Instrument. Borrower will continue to be obligated under the Note and Security instrument <br />unless Lender releases Borrower in writing• full, Lender shall give Borrower notice of <br />If Lender exercises the option to require immediate payment in <br />acceleration. he notice shall Provide a period of not less than <br />The n 30 days from the date the notice is delivered or <br />mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay <br />these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this; Security <br />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 />(Seal) <br />- Borrowp' <br />MARY TORRES - gorc°wer <br />(Seal) <br />(Seal) - Boffower <br />- Borrower <br />Fred H. Neben <br />[Sign Original Only? <br />Fixed /Adjustabie Rate Rider - Libor <br />f I[ 1956016 198101 Pete 3 of 3 <br />"Y M Loan No. 6499704 -7879 <br />19560163 (05103104) PC <br />