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201406478 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Fixed/Adjustable Rate Rider. <br />ivncnaei I., Leaman <br />Leaman <br />(Seal) <br />-ourrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />ADDITIONAL BORROWER SIGNATURES ON NEXT PAGE. <br />MULTISTATE FIXED/ADJUSTABLE RATE RIDER - WSJ One -Year LIBOR - Single Family - <br />Fannie Mae Uniform Instrument <br />VMP ® -168R (0807) Page 5 of 6 Form 3187 6101 <br />�fl1��,11�i1�DEB <br />