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200203138 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />k/Ihan(120( n'J (M(Y l (Seal) <br />STEP AANIE L MCCONNE L - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />8228 (0008) Page 4 of 4 <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />- Borrower <br />01- 33229101 <br />Form 3111 1101 <br />