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20 3112 49 <br />By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and <br />supplements the Security Instrument. <br />lz�ZA�l (Seal) <br />RICHARD W CONRAD - Borrower <br />—(Sea]) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />"S_ L , (Seal) <br />DENA L CONRAD - Borrower <br />(ek11R (0004) Page of 3 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229535 <br />Form 3160 4100 <br />