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200313044 <br />Loan Number: 521012475 Servicing Number: 001184231 -7 Date: 09/25/03 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />q —d T -0 0 (Seal) <br />MARK BAKER <br />(Seal) <br />(Seal) <br />a� <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR INDEX -Single Pan ly <br />Page 3 of 3 USRI0023 (02- 23 -99) <br />