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US31363.RID <br />200103045 <br />Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay <br />these sums prior to the expiration of this period, Lender may invoke any remedies <br />permitted by this Security Instrument without further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Adjustable Rate Rider. <br />ROGER D. LEONARD <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />r1 A <br />(Seal) <br />JANELLE I. LEO ARD - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER- -LIBOR SIX -MONTH INDEX (AS POSTED BY FANNIE MAE) -- <br />Single Family -- Fannie Mae Modified Instrument Form 3136 1/01 <br />Document Systems, Inc. (800) 649 -1362 Page 3 of 3 <br />