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200402524 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />` Q (Seal) <br />SHERI L PAYNE - Borrower <br />— (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(M®822R (0008) Page 4 of 4 <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229650 <br />Form 3111 1101 <br />