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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Fixed /Adjustable Rate Rider. <br />Andrew W Meier <br />-- 41A11 mtk- <br />Nicole M Meier <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 6/01 <br />111111 11111 1110 11111 11111 DIII 1110 WI! El III!! 11111 11111 11111 liii liii <br />201407 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />