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200206961 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />_k, . (Seal) <br />ROBERT C. LADE, SR. - Borrower <br />l - � an_L'f i 0 Yu2L (Seal) <br />CHONITA C. LADE - Borrower <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RmER (LIBOR Index)- Single Family - Freddie Mac ❑NIFORM /NSTRU W F. 3192 M (page 3 al3 pages) <br />