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200101445 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />-Borro <br />ik Aa4j4,n (Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />00256316 <br />Page 4 of 4 <br />3192 -815R <br />JB 050009 07/21/00 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />