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20O5O5407 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />05/31/2005 � 05/31/2005 <br />Rhett M. Martin Borrower Christina L. Martin Borrower <br />Borrower <br />Borrower <br />Borrower <br />2004/01 iomsr4.pc1 Page 4 of 4 <br />Borrower <br />Borrower <br />Borrower <br />