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200303005 <br />By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and <br />supplements the Security Instrument. <br />(Seal) L , , 641or (Seal) <br />TIMOTHY ANDREW GAR NER B.,n , DARLA SUE GARDNER - Borrower <br />— (Seal) (Seal) <br />- Bnrrower - Borrower <br />- Rnrrower - Borower <br />- Borrower - Borrower <br />229373 <br />® 110 (0004) Page 3 of 3 Form 3160 4100 <br />