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200402021 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />JAN E. DYE <br />Multistafe Adjustable Rafe Rider- LIBOR 6 Mo Index (As Published in the Wall Street Journal) - Single Family- FNMA Uniform Instrumem <br />FNMA3138 <br />Page 3 of 3 <br />Seal) <br />rcrower <br />Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />