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200502851 <br />Loan Number: 791001239 Servicing Number: 00151703-5-0 Date: 01/17/05 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />Jr 15 <br />(Seal) <br />SANDY N <br />(Seal) <br />(Seal) <br />MULTMA'TE ADJUSTABLE RATE RIDER -LIBOR INDEX -Single Family <br />Page 3 of 3 USRIO023 (02- 23 -99) <br />