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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 />Gregory P Smith <br />Marilee Smith <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 />itsIIIIIIIr1m1inIIt11t111m111111111111 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />201207886 <br />