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200305912 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and c:ownants contained in this <br />Adjustable Rate Rider. <br />L (Seat) � ✓7- (Scat) <br />HEATHER E. REIS Borr„wer <br />- (Seal) — (Seal) <br />- Rovowcr - Barruwer <br />(Seat) _(Scat) <br />- xorrowcr - Bunuwer <br />- (Seal) _Ncao <br />- Borrower - Borrower <br />0000796683 <br />®®83SR (0006) Page 4 of 4 Form 31381101 <br />