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200300549 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(-7N&n &Vu CAwJ(Seal) <br />HELEN JEAN 0 B ANT - Borrower <br />- Borrower <br />—(Seal) (Seal) <br />- Borrower - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />1000198930 OBRIA1000198930 0 <br />838R 100061 Page 4 of 4 Form 3138 1101 <br />