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200313524 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />C;u az' (Seal) <br />CRYSTAL ARR - Borrower <br />16� (Seal) <br />BRYCE BUOY - Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) — Single Family— Freddie Mae UNIFORM INSTRUMENT Form 3192 trot (page 3 of 3 pages) <br />