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200105202 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Co do inium Rider. <br />(Seal) (Seal) <br />RICHARD E KROLL - Borrower J A E T A KROLL - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />=-8R (0008) Page 3 of 3 Form 3140 1/01 <br />