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200504'796 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />..... I , °...II„..._.... � ,Borrower <br />C RSINA NICKEL <br />O <br />Seal <br />KERMAN NICKEL Borrower <br />_( Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />Multistate Adjustable Rate Rider- LIBOR 6 Mu Index (As Published in the wall Street Jurnml) - Single Family- FNMA Uluform Insovment <br />FNMA3138 <br />Page 3 of 3 <br />