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200212255 <br />BY SIGNING BELOW, Borrower(s) accepts and agrees to the te[ms and covenants contained in this Rider. <br />Borrower Date <br />Page 2 n[2 <br />Date <br />11 -07 -02 <br />ti1�� -LC N11 <br />-07 -02 <br />ortower JOSEPH E. REED <br />Date <br />Borrowe[ED <br />Date <br />Date <br />Borrower <br />Date <br />Borrower <br />Borrower Date <br />Page 2 n[2 <br />Date <br />