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<br />200602265 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Adjustable Rate Rider. <br /> <br />.ZJ~CJ&~n <br /> <br />ROY C. HOPKINS <br />Borrower "- <br /> <br />(' ="') Q P L/ hk~ ~eal) <br /> <br />DEB c. HOPKINS <br /> <br />(Seal) <br /> <br />Borrower <br /> <br />(Seal) <br /> <br />Borrower <br /> <br />(Seal) <br /> <br />111111111111 11111 11111 111111111111111 1111111111111 <br />91119514 <br /> <br />Page 3 of 3 <br /> <br />N~-204(}-1105 <br />