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200408586 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />BRENT W. DARLING - Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR SIX -MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL )-Form 3138 1101 <br />Single Family - Fannie Mae Uniform Insdvment (page 3 of 3) <br />It <br />