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2001202258 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />_(Seal) K '+ p -/T r Lk --(Seal) <br />- Borrower KRISTINE ANN SEXTRO Borrower <br />(Seal) <br />- Borrower <br />- Borrower <br />- Borrower <br />- Borrower <br />- Borrower <br />- Borrower <br />01- 33229088 <br />C 822R(0008) Page 4 of 4 Form 3111 1181 <br />