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200302380 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />✓i /. (,r'>�"l' ��� % /�r (Seal) �!:[r� /l %CL� �,; (Seal) <br />' - Borrmxer / —� - Borrower <br />MICHAEL J. MCCLAREN SHANDA L. MCCLAREN <br />(Seal) (Seal) <br />- Borrower - Borrower <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Bormwcr - Borrower <br />® 03SR (0006) Page 4 of 4 Form 3130 1/01 <br />OOSM36 <br />