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20020`963 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />Alf Q), (Seal) <br />DONALD D. HERZOG - Borrower <br />- Borrower <br />_ (Seal) <br />- Brnrower <br />-h =V_ <br />_ (Seal) <br />- Borrower <br />- Borrower <br />- Bonowu - Borrower <br />MBCD9153 -(4ro1) 1 041 - 347080.8 <br />-916R (0008) Page 4 of 4 Form 3192 1101 <br />to <br />