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200210982 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />i <br />(So. (Seal) <br />THOMAS eo o`" OEANNIA C. RING - Borrower <br />Borrower <br />(Seal) <br />00329489 <br />Gage a da <br />RJOBaa /27 UBOR MM weep <br />3192 -815R <br />JB 050009 07121100 <br />(Seal) <br />(Seal) <br />- Borrower <br />(Seal) <br />