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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />- BORROWER - VIRENDER BANGAR <br />- BORROWER - EDWINA B. BANGAR <br />201701614 <br />17223078 <br />MULTISTATE ADJUSTABLE RATE RIDER -1 -Year LIBOR Index (Assumable after Initial Period) - <br />-Single Family -- Freddie Mac UNIFORM INSTRUMENT <br />3441.11 Form 5131 3/04 (rev. 6/16) (page 5 of 5 pages) <br />