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200501019 <br />0140757402 <br />If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice <br />of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is <br />given in accordance with Section 15 within which Borrower must pay all sums secured by this <br />Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender <br />may invoke any 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 in this <br />Fixed /Adjustable Rate Rider. <br />G� (Seal) <br />ANDREW JKARL - Borrower <br />zz�- 1 /. &"f (Seal) <br />NICOLE L KARL - Borrower <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER - 1 YEAR TREASURY INDEX Form 3182 1/01 EC113L Rev. 11/02/00 <br />Single Family - Fannie Mae Uniform Instrument (page 4 of 4 pages) <br />