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200503.0'7 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />(Seal) <br />MARJORI RETZLAFF - Borrower <br />L. At y (Seal) <br />- Borrower <br />JACTE RETZ,L A . F <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />[1I1I I - • <br />Page 4 of 4 <br />(2/28 & 3/27 UBOR ARM RIDER) <br />3192 -815R <br />JB 050009 07121/00 <br />(Seal) <br />- Borrower <br />WARREN R_ETZLAFF <br />(Seal) <br />PATRT_CK RETZLAFF <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />