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❑ B. FUNDS FOR TAXES AND INSURANCE <br />Uniform Covenant 3 of the Security Instrument is waived by Lender. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Payment Rider. <br />(Seal) <br />- Borrower <br />L- ALT . JJ " (Seal) <br />- Borrower <br />Bankers Systems, Inc., St. Cloud, MN Form MPFR -PR 6/15/2004 (page 2 of 2 pages) <br />