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200501351 <br />If Lender exercises the option to require immediate payment in full, Lender <br />shall give Borrower notice of acceleration. The notice shall provide a period of not <br />less than 30 days from the date the notice is given in accordance with Section 15 <br />within which Borrower must pay all sums secured by this Security Instrument. If <br />Borrower fails to pay these sums prior to the expiration of this period, Lender may <br />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 <br />contained in this Adjustable Rate Rider. <br />(Seal) <br />- Borrower <br />(Sea <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />TIMOTHY BROWN <br />(Seal) <br />- Borrower <br />SHERI BROWN <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />838R (0402) Page 3 of 3 Form 3138 1/01 <br />ID <br />