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20050'7788 <br />252809178 <br />Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender <br />reasonably 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, 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 <br />agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and <br />agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under <br />the Note and this Security Instrument unless Lender releases Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice <br />of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered <br />or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to <br />pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this <br />Security Instrument without further notice or demand on Borrower. <br />BY SIGN1NO BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />HkATHER A. GUTIERREZ - Borrower <br />®-838U (9705) <br />(yt� == <br />1 <br />LOUIS A. GUTIERREZ rrowe) <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 3 of 3 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Form 3138 6194 <br />