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200207384 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />4/n//Z/ (Seal) <br />MICHAEL E. EATHEERTON - Borrower <br />� Y I , ! , _4 2 ' L, (Seal) <br />ILLY J. EATIRT - Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RmER (LIBOR index)— Single Family —FreECk Mx UNIFORM INSTRUMENT F. 3191 1/91 (page 3 of 3 pages) <br />