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200208060 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />JKLA ON L KLU R - Borrower MICHELLE L KLUVER - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />229161 <br />®-m 822R(0008) Page 4 of 4 Form 3111 1181 <br />