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BY SIGNING BELOW <br />Adjustable Rate Ridcr. <br />200304870 <br />Borrower accepts and agrees to the terms and covenm6s oontained in this <br />(Seal) <br />TO OD D PIKOP - Borrower <br />.Fiorrower <br />Borrower <br />- nonowor <br />D�/IY DDS <br />q� a�O � 11D_ls�o <br />CHRISTINE D PIKOP - Hoer °wee <br />8228 (0008) Poge 4 of 4 <br />norr�wer <br />Uorrowe� <br />Bmr�wer <br />229406 <br />Form 3111 1101 <br />