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200507143 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />RI KY MERLE DAVIDSON - Borrower <br />(Seal) <br />K HY A AVIDS6N - Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LMOR Index) -- Single Family -- Freddie Mac MODIFIED INSTRUMF..NT Form 3192 1/01 Usage 3 of 3 pages) <br />