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200311150 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) — (Seal) <br />TOM HOEFT - Borrower BETTY L OE - Borrower <br />M 822R(0008) <br />1 <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 4 of 4 <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229538 <br />Form 3111 1101 <br />S <br />