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<br />.. , <br /> <br />200700673 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br /> <br />u~ ~ (SoW) <br /> <br />-Borrower <br />DANIEL HEMINGER · <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />_ .a16R (0008) <br />@ <br />DDS-GAD <br /> <br />C~Nl.tLD,t ~I-\r.AlV1A ^1.-(SoW) <br />-Borrower <br />ANNALITA HEMINGER <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />Page 4 of 4 <br /> <br />Form 3192 1/01 <br />