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200301680 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />C-C Io'^^ (Seal) <br />VICKI L KISSLER - Ber.ewer <br />(at 822R (0008) <br />I <br />—(Seal) <br />- BOr.ewer <br />(Seal) (Seal) <br />- Borrower - Borrower <br />- Borrower <br />- Borrower <br />(Seal) (Seal) <br />- Borrower -13.0 w r <br />PqW 4 ar 4 <br />229340 <br />Form 3111 1101 <br />