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� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable Rate Rider. <br />a <br />v ' S881 /�� Seal <br />( 1 � 1 <br />S�,irIlKY J. S Clt - Borrower SONJA M. SSUCR - Borrower <br />lSeal) (Sea(1 <br />-Borrower -Borrower <br />_ {Seall <br />-Borrower <br />(Seal) <br />-Borrower <br />1Seal) <br />-Borrower <br />_ (Seaq <br />-Borrower <br />MULTISTATE ADJUSTABLE RATE RIDEfl - 1-Year Lt80R Indez (Assumabte afmr INtlal Periodl ( ���,JL Je �/� Form 6131 3/04 <br />S� - Freddie Mac UNIFORM iNSTRUMENT <br />Woltara Kluwer Finencial Servicea INtlale• �� P868 Paga�of4 <br />