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20030178"7 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />NA SL - Borrower <br />Seal) <br />K RVIN B. SA P ON - Borrower <br />MULTIMTE ABIUST.kBU RATE RmER- -LBR)R SIX - MONTH BVBLA (AS MS= BY BANNBi MMV)- Corm 31161/01 <br />single Camlly- x'aoou. C.ff— hur-w— (rage 3of3) <br />