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200312866 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />JULIO A DA FIENO - Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />INS M DA F I ENO - Borrower <br />C®822R (0008) Page 4 of 4 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229576 <br />Form 3111 1 101 <br />