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2oiooosii <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in t 's Fixed/Adjustable Rate Rider. <br />(Seal) <br />Casey S Richter -Borrower <br />- (Seal) <br />-Borrower <br />__..__ (Seal) <br />-Borrower <br />..~ (Seal) <br />-Borrower <br />CCn._ (~ > ~ I C~~~;'ZJ (Seal) <br />J sica D Richter -Borrower <br />VMP ®-843R (0405).01 Page 4 of 4 <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />01103012pp <br />Form 3182 1 /01 <br />