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200410558 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) Cn(d fl, (Seal) <br />ROCKY L GROTZ - Borrower OPX M LITTREL - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />Borrower <br />-821 R (0008) Page 4 of 4 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />0110224434 <br />Form 3108 1/01 <br />