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200213163 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Fixed/Adjustable Rate Rider. <br />AxNa sr (Seal) <br />BARBARA A FLAHERTY - Borrower <br />(Seat) <br />- Borrower <br />_ (Seal) <br />-Bo.er <br />Page 4 of 4 <br />.e,o . <br />(Seal) <br />-Be.. <br />_ (Seal) <br />-Bono <br />(Seal) <br />Borrower <br />