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200908117 the intended transferee as if a new loan were being made to the transferee; and (b) 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 may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate 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 given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. J ~ S WIN -Borrower -Borrower -Borrower -Borrower Multistate VA Adjustable Rate Rider VA Modified Form 3108 01/01 The Compliance Source, Inc. Page 3 of3 Modifie by "The Compliance Source, Inc." $4411MU 12/Q3 www.compliancesource.com ©2003, The Compliance Source, Inc. IIIIIII"IIIIIIIIIIIIIVIIIVIIIVIIII'V'III t5 0 2 4 1 3 1 9 6