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200304719 <br />BY SfGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this YUD <br />Rider. <br />r_ ^h <br />(Seal) <br />James C Schmitt - Borrower <br />- Borrower <br />(Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />- Borrower <br />- Borrower <br />03 -03- 000005 <br />'JR (0008) Page 3 of 3 Form 3150 1101 <br />