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200407514 <br />DOC ID #: 0006515737007004 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />RON S TARMAN - Borrower <br />DEENA STARMAN <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(M®166R (0109).04 CHL (05/02).01 Page 4 of 4 Form 3189 6101 <br />