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200404227 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Fixed/Adjustable Rate er. <br />1� <br />- BORROWER - DI N J. F IESZ - DAT - <br />- BORROWER - DEBRA S. FRIESZ - D - <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER —WSJ One -Year LIBORngle Family— Fannie Mae Uniform Instrument Form 3187 6/01 <br />DOCUAQ74 Page 4 of 4 <br />DOCUAg74.VTX 12/03/2001 <br />