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LOAN #: 3052041 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />LEANN MCNEW Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />2U1933XX (04/00) Initials: <br />CONV <br />BC - ARM Rider Page 3 of 3 <br />