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200300574 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />DENIS RIST II -B.owe, <br />Bmeuwer <br />MULTISTATE ARIUFEABLE RATE RIDER- -LIBOR SIX -MOYTH LYDEX (AS EDSON) BY FANME M114B}- Form 3136 U01 <br />Single Funny -oiw MnvU R, m T.—mem ("" 3,l it <br />