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�0��0962� <br />BY SIGNING BELOW, <br />i this Adjustable Rate Rider. <br />(Seal) <br />Donald D James -Borrowe r <br />_ (Seal} <br />-Borrowe r <br />_ (S�I) <br />-Borrowe r <br />_ {Sealj <br />-Borrowe r <br />111 10237 24 <br />��J�.-�� �� 1�� (Seal) <br />Bonnie M James - Borrower <br />MULTISTATEADJUSTABLE RATE RDER -5 YEAR ARM <br />Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VM P c� VM P865R (0805 ) <br />Wolters Kluwer Financial Services 6jy] <br />Initials. Page 4 of 4 <br />_ (Seal) <br />-Borrowe r <br />_ (Seal) <br />- Borrowe r <br />_ (Seal) <br />-Borrowe r <br />1111 02372 4 <br />Form 3131 1/01 <br />Borrower accepts and agrees to the terms and covenants contained <br />