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200412050 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />DAVID J WETHERILT - 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 />(Seal) <br />- Borrower <br />`x�3YQ:i <br />(M-822R (0008) Page 4 of 4 Form 3111 1101 <br />