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200301616, <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Ridder.r/�Jj�J/,� <br />(Seat) ea) <br />RICHARD L PELLAND - Borrower JAN T L PELLAND - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />— (Seal) (Seal) <br />- BOrzower - Borrower <br />229342 <br />Ck8228 (0008) Page of 4 Form 3111 1101 <br />0 <br />0 <br />