The elevation diagram shows a shear wall terminating at the second floor, with forces transferring into columns below. According to ASCE 7-16 Table 12.3-2, this is classified as an In-Plane Discontinuity in Vertical Lateral Force-Resisting Element (Type 4) irregularity. Under what condition is this irregularity considered to exist?

A 3-story building elevation showing a shear wall terminating at the second floor.