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200702697 <br />0159231422 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />MELVO A MENDOZA - Borrower <br />Wit' 2 <br />B N - A. MFNDOZA <br />page 4 10036G Rev. 03/30/05 <br />