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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 />MULTISTATE FIXEDIADJUSTABL RATE RIDER - WSJ One -Year LIBOR - Single Family - <br />Fannie Mae Uniform Instrume <br />VMP ® -168R (0807) Page 6 of 6 Form 3187 6101 <br />111111111111 111111111111111111111111 <br />DST0000KRM0060068000281442 <br />1 <br />IlIuIIilI <br />/ <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />201207886 <br />