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By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and <br />supplements the Security Instrument. <br />(Seal) S (Seal) <br />- Borrower RORY S. B OWN - Borrower <br />(Seal) _ (Seal) <br />- Borrower MINDY D. B WN - Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />Loan# 0022995294 <br />(M-11R (0004) Page 3 of 3 Form 3160 4/00 <br />