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200214670 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />a- o--4 =/4. (Seal) (Seal) <br />DON PPAULY U / - Borrower - eorrowcr <br />-Borrower - Borrower <br />- Borrower - Borrower <br />- Borrower - BOrr.we, <br />229318 <br />®8220 (0008) Pm. 4 of 4 Form 3111 1101 <br />