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200214566 <br />BY SIGNING BELOW, Borrower accepts and agrees to the temvs and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />LOIS HANK - Borrower - Borrower <br />_(Seal) (Seal) <br />- Borrower - BOrrowcr <br />(Seal) (Seal) <br />- Borrower - Borrower <br />— (Seal) (Seal) <br />- Barrowex - BOrtower <br />229315 <br />Ck822X (0008) Poge 4 of 4 Form 3111 1101 <br />r <br />