PER CURIAM.
Appellant, Florida Zippo, Inc., appeals a partial summary judgment of foreclosure. We affirm.
Only a debtor can give a lender the power to accelerate a debt, see, e.g., Morse v. City Federal Savings and Loan Association, 567 F. Supp. 699 (S.D.Fla. 1983), and only when the option is exercised in an effective manner does acceleration take place. See, e.g., David v. Sun Federal Savings and Loan Association, 461 So.2d 93 (Fla. 1984).
Affirmed.