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201206044 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable Rate Rider. <br />)a (Sea]) <br />Travis L Stum -Borrower Shawna R Stump -16or�ower <br />(Seal) (Seal) <br />-Borrower -Borrow or <br />— (Seal) (Seal) <br />-Borrower -Borrower <br />I - -(Seal) (Seal) <br />-Borrower -Borrower <br />24001511 <br />MULTISTATE ADJUSTABLE RATE RIDER - ARM 5-2 Fannie Mae 4-2/5-2/6-2 ARM <br />Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3111 1 /01 <br />VMP VM P822R (0804) <br />Wolters Kluwer Financial Services Initials:_ Page 4 of 4 <br />