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200209589 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />PHYLL S M. CURLO - BOnower <br />- Bomwer <br />Ba..r <br />Mnl.'r6TATE ADIUSLABLE RATE RmER p.®OR Ntlex)- Single Family- F�d4M^e ro '� �T F^ Jeff IM1 /page 3 of3 p jes) <br />