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I 11111 11111 11111 11111 lIM Hill lilA 11111 liii 11111111111111111111 liii liii <br />2 014078'4 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Fixed /Adjustable Rate Rider. <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <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) Page 6 of 6 Form 3187 6101 <br />