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200407520 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />PATRICIA A. TESMER Borrower <br />,4's—zo, (Seal) <br />LARRY d. TESMER - Borrower <br />(Seal) <br />- Borrower <br />Borrower <br />Multistate Adjustable Pale Rider - LIBOR 6 Me Index (As Published in the Wall Street Journal) - Singe Family - FNMA Uniform Instrument <br />FNMA3I38 <br />Page 3 of 3 <br />