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200316547 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />zi — (Seal) <br />C ROL A KOPKE - Borrower <br />(Seal) <br />VALDEAN K KOPKE - Borrower <br />_(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) -- Single Family— Freddie Mae UNIFORM INSTRUMENT Form 3192 1/01 (page 3 of 3 pages) <br />