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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 />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />1 <br />Mae Uniform Instrument e <br />Bankers SystemsTM VMP <br />Wolters Kluwer Financial Services <br />III 11111111111111111 III 11111111111111111111111111 <br />g03373266666 0413 479 0505 <br />20 /702305 <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER -WSJ One -Year LIBOR - Single Family- Fannie <br />Form 3187 6/01 (rev. 6/16) <br />VMP168R (1607).00 <br />Page 5 of 5 <br />