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2003 9739 <br />0130311996 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />JJES A HORST - rro er <br />(Se I) <br />GAIL C. HORST - Borrower <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER - 1 YEAR LIBOR INDEX <br />Single Family - Fannie Mae Uniform Instrument <br />h <br />�.r <br />EC092L Rev. 01/15/02 <br />(page 4 of 4 pages) <br />