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200506599 <br />Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any <br />interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower <br />is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate <br />payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised <br />by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. <br />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall <br />provide a period of not less than 30 days from the date the notice is delivered or mailed within which <br />Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to <br />the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without <br />further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />Fqa f <br />ERIN KOENIG - Borrower <br />M J" 0 /Z,-L <br />MICHAEL KOENIG - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />(Sign Original Only) <br />NCMC <br />2/28 Six Month LIBOR Adjustable Rate Rider <br />RE-409 (l 11803) Page 3 of 3 1002777132 <br />