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200312 752 <br />Loan Number: 521012728 Servicing Number: 001177462 -7 Date: 09/16/03 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />"i , (Seal) <br />DEBRA L. HERBEL <br />(Seal) <br />(Seal) <br />(Seal) <br />N CY . GLASGOW <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR INDEX- Single Family <br />Page 3 of 3 USRI0023 (02- 23 -99) <br />