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200503222 <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 permittedby 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 />(Seal) <br />R MCDOWELL - Borrower <br />DcCC #:332054 <br />0 168R (0108) <br />(Seal) _ <br />- Borrower <br />(Seal) _ <br />- Borrower <br />(Seal) <br />- Borrower <br />APPL #:8012244094 <br />Page 4 of 4 <br />(�(Seal) <br />?NICOLE L. TTCDOt•7ELL - Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />LOAN #:8012244094 <br />Form 3187 6/01 <br />