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200214688 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. / <br />(Seal) <br />'O PABLO LUCO - Borrower <br />� t (Seal) <br />ELy - .AR CUET ONZAElkk - - Borrower <br />NNLTISTATF, ADJUSTABLE RATE RIDER- -I.InOR SrX -MONTH INDEX (AS PUBLISHED M ME WALL STREET JOURNAL }Form 31M 1101 <br />Single Fami1J —Fn^ ' Mae UNram Iwtmmeet (page 3 o`3) <br />