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20020312,5 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />ICHAEL 0 KLIMEK - Borrower <br />(Seal) <br />- Borrower <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_KCa 1 A �1(��� (Seal) <br />KARLEEN K KLIMEK - Borrower <br />- Borrower <br />_(Seal) <br />- Borrower <br />- Borrower <br />01- 33229102 <br />Ot822R (0008) Page 4 of 4 Form 3111 1101 <br />