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200411598 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Adjustable Rate Rider. <br />_ (Seal) Z v (Seal) <br />- Borrower KENT J BR - Borrower <br />_ (Seal) ( �' �. �0 J (Seal) <br />- Borrower LORI J BRI - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />= -822R (0405) Page 4 of 4 <br />ID <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3111 1/01 <br />