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200408825 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />L (Seal) <br />DARRELL SP Borrower <br />(Seal) <br />TAMMY LUN Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />Multistate Adjustable Rate Rider - LIBOR 6 Me Indez (As Published in the Well Street Journal) - Sin& Family - FNMA Uniform Instrument <br />FNMA3138 <br />Page 3 of 3 <br />