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200504706 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />®/ (Seal) <br />BESSIE I MCCdY - Borrower <br />(Seal) <br />NEWELL L. MCCOY J"' - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />00607246 <br />Page 4 of 4 <br />(2/28 & 3/27 LIBOR ARM RIDER) <br />3182 -815R <br />JB 050008 07121/00 <br />_ (Seal) <br />- Borrower <br />_ . (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />