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200403334 <br />Loan Number: 121032161 Servicing Number: 001308044 -5 Date: 04/01/04 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Ra a Rider. <br />i <br />-� (Seal) in -vi /f% (Seal) <br />STEVEN D. COCKERHAM KIM M. COCKERHAM <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR INDEX -Single Family <br />Page 3 of 3 USR10023 (02- 23 -99) <br />