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200110965 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />ALE L SHEEKS - Borrower - Borrower <br />1 <br />(Seal) <br />QUE R SAOS - Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />DOC #:329105 <br />(0-899R (0009) <br />APPL #:0015907909 LOAN #:0015907909 <br />Page 5 of 5 <br />