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200406682 <br />sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the <br />expiration of this period, Lender may invoke any remedies permitted by this Security Instrument <br />without further notice or 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 />k-i (Seal) <br />(Seal) <br />GAIL A KRUEGER - Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />18186112 18186112 <br />(M-168R (0108) Page 4 of 4 Form 3187 6101 <br />