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If Lender exercises the option to require immediate payment in full, Lender shall <br />give Borrower notice of acceleration. The notice shall provide a period of not less <br />than 30 days from the date the notice is given in accordance with Section 15 within <br />which Borrower must pay all sums secured by this Security Instrument. If Borrower <br />fails to pay these sums prior to the expiration of this period, Lender may invoke any <br />remedies permitted by this Security Instrument without further notice or demand on <br />Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />7 in I Adj table Rate Rider. <br />(Seal) ""'' (Seal) <br />BRIAN aOKES - Borrower TRICIA K KOKES - Borrower <br />_____ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />1002465816 <br />4D -838R (0402) Page 3 of 3 Form 3138 1/01 <br />