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BY SIGNING BELOW, <br />Adjustable Rate Rider. <br />- a .— (Seal) <br />MA LON JIHANSON - Borrower <br />200202494 <br />Borrower accepts and agrees to the terms and covenants contained in this <br />—(Seal) <br />- Borrower <br />- Borrower <br />—(Seal) <br />- Borrower <br />(Seal) <br />KAREN HANSON - Borrower <br />- Borrower <br />_ (Seal) <br />- Borrower <br />- Borrower <br />01- 32229089 <br />-8228 (0008) Page 4 of 4 Form 3111 1101 <br />