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200313346 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />„-�-- (Seal) <br />LON L LOY - Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />CHRISTI R LOY rrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229582 <br />822R(0008) Page 4 of 4 Form 3111 1101 <br />