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200403044 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />- Borrower ALLAN R. CLAMPITT - Borrower <br />-Bo <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />rrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(M-838R (0005) Page 4 of 4 Form 3138 1 /01 <br />ID <br />