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200500180 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable <br />Rate Rider. <br />(Seal) <br />CHARLES M RE R - Borrower <br />-e (Seal) <br />PWSTEN K REESER - Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER —LIBOR SIX -MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL)-Form 3138 1 /01 <br />Single Family— Fannie Mae Uniform Instrument (page 3 of 3) <br />