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200212319 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rat <br />- cwrfq NAIIRICIO A. GONZALEZ - DATE - <br />MULTISTATE ADJUSTABLE RATE RIDER —WSJ One-Year LIBOR — Single Fanny— Fannie Mae UNIFORM INSTRUM ENT F-3189 6101 <br />B9kIVl'..:I9.n9o. Page 4 of <br />