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200403639 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />v <br />/ -') / <br />03/30/2004 0313012004 <br />Gee M. Man rt Borrower Tamara Manhart Rr <br />Borrower <br />Borrower <br />Borrower <br />2003/06 iomr4.pcl Page 4 of 4 <br />Borrower <br />Borrower <br />Borrower <br />