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2012002�� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable R te Rider. <br />(Seal) � � � ' (Seal) <br />SRIRAM GURUMURTHY -BorroWer SUBHP, I�ARSF�KINARAYANAN -Bot�roWer <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER -1-Year LIBOR Index (Assumable after Initlal Pariod) <br />Single Family - Freddie Mac UNIFORM INSIRUMENT <br />VMP 0 <br />Wolters Kluwer Flnancial Sarvic�s <br />— (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />Form b131 3/04 <br />VMP858R (0804).00 <br />Initials: Page 4 of 4 <br />�` / <br />C/ <br />