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200213230 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />4n VC- Lodi r)� (Seal) �� ✓�— �_ Sea <br />JOHN R DALLAND - Borrower MARNIE R DALLAND - Borrower <br />(Seal) (Seal) <br />DIANA M DALLAND Borrower - 13..wer <br />(Seal) <br />(Seal) <br />00345702 <br />Page 4 of 4 <br />R/28 a 3/27 Baedi PAM FuF <br />3192-8 15R <br />J 0500 08 07121 IN <br />- Borrower <br />_ (Seal) <br />- Borrower <br />