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200315535 <br />Loan Number: 121029971 Servicing Number: 001231326-8 Date: 11/28/03 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />(Seal) <br />BRENDA K. SOKOL <br />(Seal) <br />(Seal) <br />t � (Seal) <br />ROLAND F. SOKOL <br />(Seal) <br />(Seal) <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR INDEX -Smgk Family <br />Page 3 of 3 USR10023 (02- 23 -99) <br />