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Loan Number: 121034038 <br />200407100 <br />Servicing Number: 0 013 8 817 7 - 6 Date: 07/16/04 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Ride;. <br />i (Seal) (Seal) <br />STEVE WELLER TERESA WELLER <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR INDEX -Single Family <br />Page 3 of 3 <br />(Seal) <br />(Seal) <br />USRIO023 (02- 23 -99) <br />