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200502522 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in <br />this PUb Rider. <br />(Seal) <br />BRADLEY KELLY - Borrower <br />=-7R (0405) <br />— (Seal) <br />- Borrower <br />T (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />& I <br />ipz /' (Seal) <br />AMBER L KELLY - Borrower <br />Page 3 of 3 <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Form 3150 1/01 <br />