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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Fixed / ju ,L•le Rate Rider. <br />STACY L 'PEARSON <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />NMLS# 412727 11113793 <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER - WSJ One -Year LIBOR - Single Family - <br />Fannie Mae Uniform Instrument Form 3187 6101 <br />VM P e -168 R (0807) Page 4 of 4 <br />