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200300172 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />GARY L KRUSE, TRUSTEE OF THE - Borrower ARDITH A KRUSE, TRU EE OF THE-Borrower <br />GARY L KRUSE REVOCABLE TRUST ARDITH A KRUSE REVOCABLE TRUST <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />229445 <br />C-822H (0008) Page 4 of 4 Form 3111 1101 <br />R <br />