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200316290 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />LJK (Se ) (Seal) <br />RICHARD K DAV I S - Borrower 51REN L DAVIS - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />229629 <br />(M-822R (0008) Page 4 of 4 Form 3111 1/01 <br />