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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Fixed /Adjustable Rate Rider. <br />Origination Company: Deere Employees Credit Union <br />NMLSR ID: 458514 <br />Originator: Laura L Laxy <br />NMLSR ID: 27873 <br />Borrower - Rachel A <br />201601819 <br />(Seal) <br />II <br />II III1IIII IU IIII1IIII <br />1 I 1II 11 I IU1U R* <br />1 TRDR <br />* 5 9 3 7 6 0 0 8 1* * M C A D J R <br />MULTISTATE F XED /ADJUSTABLE RATE RIDER — ONE - YEAR TREASURY INDEX - Single Fam ly - FNMA Uniform Instrument Form 3182 1/01 <br />Accenture Mortgage Cadence Document Center © 3212 01/14 (Page 4 of 4) <br />