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200411580 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />KATHERINE J. VHLERT - Borrower <br />_(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) -- Single Family — Freddie Mac MODIFIED INSTRUMENT Form 3192 1101 (page 3 of 3 pages) <br />