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20001.558 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 <br />through 3 of this Adjustable Rate Rider. <br />-(Seal)" + p.,, ,� (Seal) <br />ANGEL E RAMOS - Borrower ELSY R RAMOS -y - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Page 3 of 3 pages) <br />100195910003595215 FNLG Form 33029L3 (04052005) <br />