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200106410 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />l <br />Q/a � - (Seal) (Seal) <br />PAMELA S SANS - Borrower - Borrower <br />C 822R(0008) <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 4 of 4 <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />03- 32228888 <br />Form 3111 1101 <br />