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Loan No: 4001780878 <br />Data ID: 448 <br />BY SIGNING BELOW, Borrower accepts and agrees o the terms and covenants contained in <br />this Adjustable Rate Rider. <br />7'` .. r...... (Seal) <br />CHRIST PHER G I —Bo rower <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR SIX-MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL} <br />s * ra rai- Ferrile Lim UNIFORM INSMMENT <br />MocNed by Mlddleberg, Riddle & Glanna Form 3138 1/01 (Page 3 of 3 Pages) <br />