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2000035`1 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />(Seal) <br />ANTHONY WICHMAN, JR - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />00625086 <br />Page 4 of 4 <br />(2/28 & 3/27 LIBOR ARM RIDER) <br />3192 -815R <br />A 050009 07/21/00 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />