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200104187 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />n Y___, t:ea (Seal) (Seal) <br />FRANK L HOELCK - Borrower - Borrower <br />RNT JuJiLCI(Seal) -Borrower <br />AK L HOELCK, R E OF THF$oo <br />FRANK L HOELCK TRUST <br />(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />01- 32228836 <br />C-822R (0008) Page 4 of 4 Form 3111 1101 <br />