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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />thk Fixari/Ariuictahla Rata Ririar <br />(Seal) <br />)rrower <br />(Seal) <br />grower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />MULTISTATE FIXED/ADJUSTABLE RATE RIDER - WSJ One -Year LIBOR - Single Family - <br />Fannie Mae Uniform Instrument <br />VMP ® •168R (0807) I I Plage 6 of I6 III III I Form 3187 6/01 <br />I VIII VIII Iiili ILII Illilll lull VIII III VIII VIII VIII VIII (IIII IIII IIII <br />OOOOKRM943676 <br />