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200504525 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />roy R Hobbs - borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />2115119649 <br />VIRGINIA M. HOBBSB rrower <br />_(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- borrower <br />838R (0006) Page 4 of 4 Form 3138 1/01 <br />a. <br />