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<br />200610077 <br /> <br />0156590143 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br /> <br />~~ <br /> <br />(Seal) <br />-Borrower <br /> <br />J,~~L~ <br /> <br />KRISTINA INDEN <br /> <br />(Seal) <br />-Borrower <br /> <br />page 4 <br /> <br />100300 Rev. 03/30/05 <br />