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201202001 <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br /> in his Adjustable Ra�e Rider. <br /> e_ ���-� <br /> � �-�!/lnM _i��-.__ ISeal) �� � � _ {Seal) <br /> Duane Sidders -Borrower Carol Sidders -Borrower <br /> � �� <br /> . °° --� (Seaq ����.�.'� e . (Seal) <br /> Neal Sidders -Borrower Rozella L Sidders -Borrower <br /> (Seal) _ . (Seal) <br /> -Borrower -Qorrower <br /> (Seal) _ (Seaq <br /> -Borrower -13orrower <br /> 240006?0 <br /> MULTISTATE ADJUSTABLE RATE RIDER - ARM 5-2 Fannie Mae 42/5-2/6-2 ARM <br /> Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fonn 3111 1/01 <br /> VMP � V�1 P822R (0804) <br /> Wolters Kluwer Financial Services Initials:__(�,J. Page 4 of 4 <br /> � <br />