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20010,3112 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />0-1- / (Seal) <br />BR SUMMERS - Borrower WENDY S S ERS - Borrower <br />DOC #:329105 <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />APPL #:0015684099 <br />899R (0009) Page 5 of 5 <br />OD <br />LOAN #:0015684099 <br />(Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />