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200209805 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terra and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) q <br />SCOTT J X06ACH -B.a. r STEPHANIE J ROACH - BoRawer <br />_(Seal) <br />- Bo«ower <br />BoROwer <br />_(Seal) <br />- BOROwor <br />- Borrower <br />eomowor <br />Borrower <br />M1100"1 1 <br />822R(0008) Page 4 of 4 Form 3111 1181 <br />