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200311255 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />4 (Seal) <br />ROBERT SCHMICK - Borrower <br />— (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />(Seal) <br />DEB SCHMICK - Borrower <br />Oat 822R(0008) Page 4 of 4 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229542 <br />Form 3111 1101 <br />