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200411564 <br />LOAN #: 04- E63141 <br />Lenderand that obligates thetransfereeto keep all the promises and agreements <br />made in the Note and in this Security Instrument. Borrower will continue to be <br />obligated under the Note and this Security Instrument unless Lender releases <br />Borrower in writing. <br />If Lender exercises the option to require immediate payment in full, Lender <br />shall give Borrower notice of acceleration. The notice shall provide a period of <br />not less than 30 days from the date the notice is given in accordance with Section <br />15 within which Borrower must pay all sums secured by this Security Instrument. <br />If Borrower fails to pay these sums prior to the expiration of this period, Lender <br />may invoke any remedies permitted by this Security Instrument without further <br />notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Adjustable Rate Ridar <br />)� , L__ �' L-_ s ea ) <br />MELINDA S. MANGUS <br />(Seal) <br />KRAIG E. MANGUS <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR SIX -MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL) - <br />Single Family- Fannie Mae Uniform Instrument Form 31381/01 <br />© 1999 -2002 Online Documents, Inc. Page 3 Of 3 F3138RDU <br />11 -19 -2004 14:40 <br />