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201400140 <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br /> in this Adjustable Rate Rider. <br /> Gam-- (Seal) � i��{, (Seal) <br /> Brian K Kim -Borrower Jaeyeon Kim/ -Borrowe r <br /> (Seal) (Seal) <br /> -Borrowe r -Borrowe r <br /> (Seal) (Seal) <br /> -Bo rrowe r -Borrowe r <br /> (Seal) (Seal) <br /> -Borrowe r -Borrowe r <br /> 1309250464 1309250464 <br /> MULTISTATE ADJUSTABLE RATE RDER - 5 YEAR ARM Form 3131 1/01 <br /> Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br /> VM P VM P865R (0805) <br /> Wolters Kluwer Financial Services <br /> Initials: U Il. Page 4 of 4 <br />