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200448602 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />MONT I J. AMS Borrower <br />(Seal) <br />H D DAMS Borrower <br />Borrower <br />- Borrower <br />Multistate Adjustabh Rah Rider - LIBOR 6 Me Index (As Published in the Wall Street Journal) - Single Family - FNMA Uniform Instrument <br />FNMA3138 <br />Page 3 of 3 <br />