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200311308 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />,ejmw (Seal) (Seal) <br />JOHN F BELL - Borrower - Borrower <br />OC-822R (0008) <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />Page 4 of 4 <br />u <br />— (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229539 <br />Form 3111 1101 <br />III <br />