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200303005 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />'-txr �i�Z ✓!^� (SeaB 4 ! - CLS (Seal) <br />TIMOTHY ANDREW GARDNER - Borrower DA LA SUE GARDNER - Borrower <br />- B0=wcr -Bonowcr <br />- Bortower - Borrower <br />.BOrrOwer -Borrower <br />229373 <br />022R(0008) Page 4 of 4 Farm 3111 1101 <br />