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20050'7421 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />JERRARD R. ROSS <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />alr (Seal) <br />- Borrower <br />COURTNEY B. ROSS <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />838R (0006) Page 4 of 4 Form 3938 1101 <br />DDS -M38 <br />