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200409707 <br />If Lender exercises the option to require immediate payment in full, Lender shall give <br />Borrower notice of acceleration. The notice shall provide a period of not less than 30 <br />days from the date the notice is given in accordance with Section 15 within which <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 <br />in this Adjustable Rate Rider. <br />.�.­ .....� ..... .......... f.................... (Seal) <br />R. <br />KIPP SM - Borrower <br />.!..!` �Y . ............................... (Seal) <br />ELIZABETH KEAR - Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER —ARM 5.1 <br />Single Family— Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3108 1/01 <br />Bankers Systems, Inc., St. Cloud, MN Form ARR -5 -1 6/3/2004 (page 3 of 3 pages) <br />