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<br />200701493 <br /> <br />0158392324 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br /> <br />;P~ z: J// ~ <br />MARY E M <br /> <br />(Seal) <br />-Borrower <br /> <br />ROC~U1R L ,/12----- <br /> <br />(Seal) <br />-Borrower <br /> <br />page 4 <br /> <br />10036G Rev. 03/30/05 <br />