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200303456 <br />BY SIGNING BELOW, Borrower accepts and agrees w the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />PATRIC[A MACR- FIELDGRO - Rurzuwe� IhomoaS GeldoJvow, Barrowe. <br />eorrowe. <br />Borrow, <br />—(scap <br />Borrower <br />(Seal) <br />- Boo,w« <br />Rorrawer <br />Borrower <br />0000825188 <br />C MR (0006) Page 4 of 4 Form 31381101 <br />