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Loan Number: 121013145 Servicing Number: 264392-2 <br />200001735 <br />Date: 02/24/00 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />0 <br />(Seal) <br />A r (Seal) <br />OSEP INE V BALAND <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER-LIBOR INDEX -Single Family <br />Page 3 of 3 USRIO023 (02- 23 -99) <br />