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200908028 <br />BY SIGN NG BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Ad' abl Rate Rider. <br />f <br />(Seal) <br />J CK L. GILLAM -BOrroW of L A A. ILLAM -BOffOW er <br />(Seal) <br />-Barrow er <br />(Seal) <br />-Borrower <br />(Seal) <br />-Barrow er <br />- (Seal) <br />-Barrow er <br />T (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />23p616 <br />MULTISTATE ADJUSTABLE RATE RIDER -ARM 5-2 Fannie 4-2/5-2/6-2 ARM <br />Single Family -Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT Form 3111 1/01 <br />VMP ® P (0$04) <br />Wolters Kluwer Financial Services... _ Initials: age 4 of 4. <br />