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200410091 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />` (Seal) <br />JO . SIJNDERMEIER - Borrower <br />_(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) -- Single Family — Freddie Mac MODIFIED INSTRUMENT Form 3192 1 /01 (page 3 of 3 pages) <br />f <br />