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200213863 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />j r <br />W� (Seal) <br />CAROLYN TEMAyK eo „owe, <br />A li4 <br />(Seal) <br />eowowc, <br />(Seal) (Seal) <br />Borrower - m„awe, <br />MULTISTATE ADJUSTABLE HATE RIDER - LIBOR SIX -MONTH INDEX - Single Family - FNMA UNfarm Instrument <br />Form 3136 1 /01 <br />lass Po, L¢, I800I 448 3555 <br />LR#FMA31381 /01 PBIte4a14 <br />