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200412219 <br />Loan Number: 791000934 Servicing Number: 001487312-9 Date: 12/09/04 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />114 C7 �C /� c:;,4 (Seal) <br />GAR E MCKOSKI <br />Seal) <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR INDEX -Single Family <br />Page 3 of 3 USRIO023 (02- 23 -99) <br />