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200410990 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />Lti� a— <�17 r w- � (Seal) <br />EUFEMIA,CRUZ� - Borrower <br />cd / ZI IqA k) Z k <br />EDITH MANZANO <br />_(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) — Single Family — Freddie Mw MODIFIED INSTRUMENT Form 3192 1/01 (page 3 of 3 pages) <br />