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200205168 <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 />�u (Sea]) s�Yx —� r (Seap <br />CLAUDIA G FREDRICKS - Rnrtnwer RICHARD FREDRICKS - BOrtOWR <br />— (Seal) (Seal) <br />- Borrower - ROrrower <br />— (Seal) _ (Seal) <br />- Bnrmwer - Borrower <br />- Bomjwer - Bnrmwer <br />8438 (0006) Page 4 of 4 Form 3182 1 /01 <br />