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200501353 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />- Borrower Borrower <br />WILBERT H. KUMMETZ <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />dM-838R (0006) Page 4 of 4 Form 3138 1/01 <br />T <br />DDS -M38 <br />L <br />