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201200440 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable Rate Rider. <br />'k <br />A A;W, (Seal) <br />Adriane Ja Watch -Borrower <br />(Seal) <br />Jerry Lee ahow-Watch -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />- (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER - WSJ One-Year LIBOR - Single Family - Fannie Mae <br />UNIFORM INSTRUMENT Form 3189 6/01 <br />VMP®-166R (0806) Page 4 of 4 <br />