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s <br /> 99- �os4zs <br /> BY SIGNING BELOW, Bonower accepts and agrees to the terms and covenants contained in this Fixed/Adjustable <br /> Rate Rider. <br /> (Seal) <br /> Robert J. Joh so <br /> Borrow r � <br /> �� Seal <br /> ) <br /> Tamara M. Johnson <br /> Borrower <br /> (Seal) <br /> Borrower <br /> (Seal) <br /> Borrower <br /> (Seal) <br /> (Seal) <br /> (page 4 of 4 pages) <br /> r ., .s <br /> , b:., . , <br />