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LOAN #: FFG1011412844 <br />If Borrower fails to pay these sums prior to the expiration of this period, Lender <br />may invoke any remedies permitted by this Security Instrument without further <br />notice or demand on Borrower. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Adjustable Rate Rider. <br />C 1 /- .r- / S (Seal) <br />NATHAN C. W HT DATE <br />(IA cbti.k <br />LISA MARIE WRIGHT <br />MULTISTATE ADJUSTABLE RATE RIDER - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 31081/01 <br />Modified VAHARM <br />Ellie Mae, Inc. Page 3 of 3 <br />201500509 <br />-S — IS -- (Seal) <br />DATE <br />Initials <br />V8765RDU 0508 <br />V8765RLU <br />12/31/2014 03:29 PM PST <br />