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<br />200703483 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Fixed/Adjustable Rate Rider. <br /> <br />J L~ <br /> <br />DOUg~ Wolf <br /> <br />J~ (Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />VMP @-843R (0405).01 <br /> <br />~bck? ~ (Seall <br /> <br />Debra L Wolf -Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />0110264748 <br /> <br />Page 4 of 4 <br /> <br />Form 3182 1/01 <br />