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200305840 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />Seal) <br />PAUL E SULLIVAN - Borrower AMANDA I SULLIVA - Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />C 822R(0008) Page 4 of 4 <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229443 <br />Form 3111 1101 <br />