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200506859 <br />If Lender exercises the option to require immediate payment in full, Lender shall give <br />Borrower notice of acceleration. The notice shall provide a period of not less than 30 <br />days from the date the notice is given in accordance with Section 15 within which <br />Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay <br />these sums prior to the expiration of this period, Lender may invoke any remedies <br />permitted by this Security Instrument without further notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />LUCAS G. SK ANT - Borrower <br />(Seal) <br />CJ SICA A. FYl✓ - Borrower <br />[Sign Original Only] <br />MULTISTATE ADJUSTABLE RATE RIDER 6 -Month LIBOR Index (Assumable during Life of Loan) (First Business Day Lookback) <br />— Single Family— Freddie Mac UNIFORM INSTRUMENT Form 5120 3104 (page 3 of 3 pages) <br />1 1111111 III II 1 III IIIII IIIII 11111 IIIII IIIII 1111 II 1 III IIIII IIIII Illil IIII II 1 III IIIII IIIII 1111 II 1 III IIIII IIIII 1111 II 1 III IIIII IIIII IIIII IN IN <br />G + 4 2 3 2 1 3 + 1 2 2 1 + 2 0 3 + 2 2 3 + 5 1 2 2 <br />