TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER

     This covenant is the due-on-sale clause that allows lenders to call a loan if the title to the property securing the loan is transferred without the lender's prior approval: As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited t, those beneficial interests transferred in a bond for deed, contract for deed, instalment sales contract, or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.
     If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.  However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
     If Lender exercises this option, Lender shall give Borrower notice of acceleration.  The notice shall provide a period of not less than 30 days from the date of notice is given in accordance 2with Section 15 within which Borrower must pay all sums secured by the Security Instrument.  If Borrower fails to pat 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.