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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Fixed /Adjustable ate Rider. <br />01/07/2014 (Seal) <br />Kyle J. Stewart - Borrower <br />iii IiiiJII1i1IIIIIIIIIIIJIiI1 ,1111ii111I1iiiiiii <br />20140010; <br />(Seal) <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE FIXED /ADJUSTABLERATE RIDER- WSJ One -Year LIBOR- Single Family - <br />Fannie Mae Uniform Instrument Form 3187 6/01 <br />VMP ® - 168R (0807) Page 4 of 4 <br />