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<br />. <br /> <br />200700763 <br /> <br />DOC ID #: 00015753107801007 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Fixed! Adjustable Rate Rider. <br /> <br /> <br />~~ <br />................",.." - <br />~.~ "-" <br />/ / ~- <br /> <br />TOBIN Z~ , <br /> <br />>;) . ;' .t .~ / <br />l / r'; " .<.... ...'::' '1 //" 1/ <br />.-/ I ii' '/I. ;>" 1;<'" ..,/ ~) <br />I ' . C- ,Ilt;/::./ /'/1//" <br />'. LE ZERFAS <br /> <br />(Seal) <br /> <br />- Borrower <br /> <br /> <br />(Seal) <br /> <br />- Borrower <br /> <br />(Seal) <br /> <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />CONV <br />-ARM Fixed Period USOR Rider <br />2U652-XX (08/06) <br /> <br />Page 4 of 4 <br /> <br />'"",~~ <br />