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20010269'7 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />BRANDT R EBY -- Borrower <br />M 822R(0008) <br />— (Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />N1 L i � E_ (Seal) <br />KA I E J EBY - Borrower <br />Page 4 of 4 <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />01- 32228807 <br />Form 3111 1101 <br />