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200503913 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Fixed /Adjustable Rate Rider. <br />(Seal) (Seal) <br />BRANDON D HILL - Borrower LAURA-)K HILL - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />0110232547 <br />(0-843R (0405) Page 4 of 4 Form 3182 1/01 <br />