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2005092'79 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this OHIO <br />On -Time Program Rider. <br />OAZU,* 'M (Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />[Sign Original Only) <br />IRAN NUMBER: 4883026 <br />On -Time Program ARM Rider to the Security Instruments WSL145 06/03 <br />Ohio Savings Bank Page 3 of 3 80116MU 11/01 (Rev. 06/03) <br />