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<br />200705862 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages I <br />through 3 of this Adjustable Rate Rider. <br /> <br /> <br />Seal) ~~ ~/l r~" <br />-Borrower J I-IUA A MCALEvf /" <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Page 3 of 3 pages) <br /> <br />100195910004848407 <br /> <br />FNLC Form 33029L3 (04052005) <br />