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<br />200609100 <br /> <br />0155820764 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br /> <br /> <br />(Seal) <br />~LSt / -Bercower <br />~<' p~ <br />' .' -_. (Seal) <br />. RI A NELSO . -Borrower <br /> <br />page 4 <br /> <br />100300 Rev. 03/30/05 <br />