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201304516 <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br /> in this Adjustable Rate Rider. <br /> (Seal) (Seal) <br /> Peter C Rivera -Borrower -Borrower <br /> (Seal) (Seal) <br /> -Borrow er -Borrower <br /> (Seal) (Seal) <br /> -Borrow er -Borrower <br /> (Seal) (Seal) <br /> -Borrow er -Borrow er <br /> 24004547 <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 © MP822R(0804) <br /> Wolters Kluwer Financial Services Initials: � Page 4 of 4 <br />