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200409765 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) J, ) <br />RANDY Y ANDREWS - Borrower §HERR1 L ANDREWS - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />Borrower <br />(Seal) <br />Borrower <br />0001859478 <br />-838R (0006) Page 4 of 4 Form 3138 1/01 <br />m <br />