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200407365 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />l.0 (Seal) <br />- Borrower - Borrower <br />ARNOLD VIALPANDO <br />_(Seal) <br />- Borrower <br />SHARON VIALPANDO <br />_ (Seal) <br />- Borrower <br />Page 4 of 4 Form 3192 1101 <br />DDS -77M <br />