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200506934 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />- Borrower <br />MULTISTATE AD3USTABLE BA'T'E RIDER- -LIBOR SIX -MONTH INDEX (AS PUBLISHED IN THE WALL STRF_,HT JOURNAL) —Farm 3138 1/01 <br />Single Family — Fannie Mae Uniform Instrument (page 3 of 3) <br />