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2004103'73 <br />BY SIGNING BELOW, Borrower accepts and <br />Adjus ble Rate Rider. <br />(Seal) <br />- Borrower <br />JAMES E. ROBISON <br />—(Seal) <br />- Borrower <br />agrees to the terms and covenants contained in this <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />Page 4 of 4 Form 3192 1/01 <br />DDS -77M <br />