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• 200004685 <br />LOAN #: 2989413 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Rate <br />Reduction Option Rider. <br />(Seal) <br />GREG Y USTAFSON Borrower <br />by"Ck R fiU'44rV___' (Seal) <br />DONNA R GUSTAFSON U - Borrower <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />CONV <br />0 RATE REDUCTION OPTION RIDER <br />1 U5244XX (11/99) Page 4 of 4 <br />