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200911450 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Ad stable Rate Rider. <br />(Seal) L�. (Seal) <br />REDERICK J RING III - Borrower J I L UNG - Borrower <br />(Seal) (Seal) <br />-13. r er - Borrower <br />- 0arrower - B�R�we. <br />(Seal) (Seal) <br />- Borrower - Borrower <br />229244 <br />® -0228 (0008) Poge4 of 4 Form 3111 1101 <br />