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200505132 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. N L� <br />(Seal) <br />C THIA CROUS - Borrower <br />Q ;895R (0008) <br />MGMZ <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />al . <br />WENDELL M CROUSE - Borrower <br />Page 4 of 4 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3992 9/09 <br />