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200201184 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />Q& X4L/L %J% (Seal) (Seal) <br />ANNA M FIALA - Borrower - Borrower <br />— X// 112z� (Seal) (Seal) <br />BR AN D F A - Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />01- 32229069 <br />022R(0008) Page 4 of 4 Form 3111 1101 <br />