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200204451 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. n <br />WRIA <br />— (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />S E (Sea) <br />M S SCHULTZ - Borrower <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />03- 32229123 <br />M 822R(0008) Page 4 of 4 Form 3111 1101 <br />