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200311151 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />1 h <br />(Seal) J_ <br />(Seal) <br />mower LORETTA G STINES <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />229530 <br />M 822R(0008) Page 4 of 4 <br />Form 3111 1101 <br />C <br />AY INES -Bo <br />