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200212257 <br />BY SIGNING BELOW, Borrower(s) accepts and agrees to the terms and covenants contained in this <br />Rider. <br />(Seal) <br />DARREL K FOKKEN - Borrower <br />- Borrower <br />- Borrower <br />pyjipf /'n %�'i7uwl (Sea) <br />VIRG IA M FOKKEN - Borrower <br />BORROWERS RIGHI TO PREPAY - PREPAYMENT PENALLY RIDER <br />ooamans >..ia..s L. 0.1. l t12 Page 2Or2 <br />- Borrower <br />- Borrower <br />N,2 d, IIIIIIIIII�I"IIIIII'II' lII II III II VIII IIII III <br />