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200401014 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />CHRIST -Borrower <br />_(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) — Single Family— Freddie Mac uN1FORM INSTRUMENT F. 3192 trot (page 3 oj3 pages) <br />