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200202717 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />{Seal} <br />Seal) <br />HENRY G MCWILLIAI,S,,JR - Borrower DEBRA L MCWILLIAMS Bo owcr <br />— (Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower owe] -Bono"" <br />—(Seal) (Seal) <br />-Borrower - Borrower' <br />01-33229097 <br />(01, 822R(0008) Page 4 of 4 Form 3111 1101 <br />