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200508445 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this OHIO <br />On -Time Program Rider. <br />i � ' <br />9.y10 re �l1 ' ; <br />(Seal) <br />(Seal) <br />- Borrower IZOBERT W, <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />[Sign Original Only] <br />IRAN NUMBER: 4897425 <br />On -Time Program ARM Rider to the Security Instruments WSL145 06/03 <br />Ohio Savings Bank Page 3 of 3 80116YW 11 /01 (Rev. 06/03) <br />