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�g_ 1��8�s8 <br /> Bonower is not a natural person) without Lender's prior written consent, Lender may, at its option, <br /> require immediate payment in full of all sums secured by this Security Instntment. However, this option <br /> shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security <br /> Instrument. <br /> If Lender exercises the option to require immediate payment in full,Lender shall give Borrower notice <br /> of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is <br /> delivered or mailed within which borrower must pay all sums secured by this Security Instrument. If <br /> Borrower fails to pay these sums prior to the expiradon 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, rrower accepts and agrees to the terms and covenants contained in this <br /> Ad' stable Rate Rider. <br /> (Seal) (Seal) <br /> DANIEL L. GRAY Borrower Borrower <br /> � (Seal) (Seal) <br /> CHE YL . GRAY Borrower Borrower <br /> (Seal) (Seal) <br /> Borrower Borrower <br /> (Seal) (Seal) <br /> Borrower Borrower <br /> MULTISTATE ADJUSTABLE RATE RIDER-LIBOR INDEX-Single Family-FHLMC-AHL modified 1/98 <br /> Page 3 of 3 <br /> ARM Ride.Doc <br /> AHL 004603 (1/98) 0012817672 <br /> -i <br />