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20050511'7 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) J Seal) <br />DARREL K. FOKKEN - Borrower IRGINI . F KKEN - Borrower <br />- Horrower -Borruwcr <br />- Borrower - borrower <br />l3orrower -Burrower <br />VMP -815R (0405) Page 4 of 4 Form 5120 3104 <br />