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200005730 <br />LOAN #: 8988758 -30756 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Fixed /Adjustable Rate Rider. <br />KEVIN L. HOPKINS (SEAL) <br />I <br />1�►1w r I �1 Ili Mh <br />DEBRA L. HOPKIN§ (SEAL) <br />Fixed /Adjustable Rate Rider - Libor Page 3 of 3 P5386RDU <br />