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20050 5640 <br />may invoke any remedies permitted by this Security Instrument without further notice or <br />demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />JAMES P. KRAMER - Borrower <br />— (Seal) <br />- Borrower <br />—.. (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER - -LIBOR SIX -MONTH INDEX DOCMagiC 47-C= 800 - 649.1362 <br />(AS PUBLISHED IN THE WALL STREET JOURNAL) www.docmagic.com <br />NON ASSUMABLE Page 3 of 3 <br />