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200316214 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />IC,7'-r (Seal) <br />MICkIEL LEE FLOkES - Borrower <br />(Seal) <br />RES - Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index)— Single Family — Freddie Mx UNIFORM INSTRUMENT Form 3192 1/01 (page 3 of 3 pages) <br />