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200214046 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />DAVID R WREN - BOrmwer PATRICIA PIERARD, by David H - Borrower <br />Wren her attorney —in —fact <br />- Borrower - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />0110185220 <br />822R (0008.01 Page 4 01 4 Form 3111 1/01 <br />} <br />