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200508965 <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 <br />Fixed/Adjustabl Rider. <br />Mi chae l D Carlam - Borrower -Ann <br />—(Sea') <br />- Borrower <br />(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />Loan No: 121760344 <br />6480264P104 P4.I�d�l1A�B1Al1a1N w <br />