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200410951 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />J . (Seal) <br />NANCY X. HARDENBERGER -Borrower <br />Seal <br />DAVID B. HARDENBERGER - 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 />U <br />