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201002107 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable Rate Rider. <br />Seal) <br />Bonita R Phillips - Orrvwer <br />R <br />(Seal) <br />c al o rt P flip orrower <br />.~. (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Barrow er <br />(Seal) <br />-Borrower <br />M ULTISTATE ADJUSTABLE RATE RIDER -ARM 5-2 <br />Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />230721 <br />Fannie Mae 4-2/5-2/6-2 ARM <br />Form 31 11 1 /01 <br />2R (0804) <br />Initials: ge 4 of 4 <br />