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202103856 <br />remedies permitted by this Security Instrument without further notice or <br />demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Fixed/Adjustable Rate Rider. <br />(Seal) <br />Bo wer - Susan D Re <br />Origination Company: HSBC Bank USA, N.A. <br />NMLS ID: 399799 <br />Originator: Matthew James Ohrvall <br />NMLS ID: 146345 <br />11111111110111111111111 <br />* 4 7 2 2 0 7 6 9 1 2* <br />MULTISTATE FIXED ADJUSTABLE RATE RIDER -30 -day Average SOFR <br />—Single Family -Fannie Mae/Freddie Mac Un'form Instrument <br />Mortgage Cadence Document Center © 4287 04/20 <br />11 <br />11 <br />11 <br />1 <br />1 <br />* M C AD <br />1 <br />Initials <br />IIIIJ51— <br />IIIIIII <br />J <br />Form 3142 04/20 <br />(Page 5 of 5) <br />