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200412310 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) (Seal) <br />ANGEL E RAMOS - Borrower ELSY R RAMOS - Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />=-838R (0006) Page 4 of 4 <br />m <br />0001955559 <br />Form 3138 1/01 <br />