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200508390 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />L (Seal) <br />SSICA L. EMDE - Borrower <br />A 02_'r 4�8 0 4 <br />(Seal) <br />DA'VM D. EMDE - Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIMER (LIBOR Index) -- Single Family -- Freddie Mac MODIFIED INSTRUMENT Form 3192 1/01 (page 3 of 3 pages) <br />