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200109197 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Timely Payment Rewards Rider. <br />(Seal) <br />VICKI L GEWECKE - Borrower - Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />0110167740 <br />-824R(0104) Page 2 of 2 Form 1412 4/01 <br />