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200404184 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />GENE P. LAWREY - Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER - -WSi One -Year LIBOR -- Single Family -- Fannie Mae UNIFORM INSTRUMENT Form 3189 6/01 <br />(page 3 of 3) <br />