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<br />200610630 <br /> <br />DOC ID #: 00015244167211006 <br />BY SIGNING BELOW, Borrower accepts and agrees to the tetms and covenants contained in this <br />Fixed/Adjustable Rate Rider. <br /> <br />~. <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br /> <br />- Borrower <br /> <br />CONY <br />-ARM Fixed Period L1BOR Rider <br />2U652-XX (08/06) <br /> <br />Page 4 of4 <br /> <br />'";""~ <br />