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200214680 <br />0124934878 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />At� (Seal) <br />MICHAEL - Borrower <br />(Seal) <br />AR .F GEN - Borrower <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER � 1 YEAR LIBOR INDEX ECO92L Rev 01/15/02 <br />Single Family - Fannie Mae Uniform Instrument (Page 4 or 4 pages) <br />