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200106851 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />;�/ (Seal) <br />ON J PHI S - Borrower <br />_ (Seal) <br />- Borrower <br />11o7l'Ag, L (Seal) <br />SABRINA L PHIPPS - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />01- 32228894 <br />at 822R(0008) Page 4 of 4 Form 3111 1101 <br />