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201003'739 <br />BY SIGNING BELOW, Borrower accepts and agrees td the terms and covenants contained <br />in this Adjustable Rate Rider. <br />/~ r "~ <br />(Seal) <br />Mi~chel.l R Hinrichs -BorrvW er <br />(Seal) <br />-Borrower <br />~.._ (Seal) <br />-Barrow er <br />_.._ (Seal) <br />_Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />.____. (Seal) <br />-Borrower <br />MULTISTATE AbJUSTABLE RATE RIQER -ARM 5-2 <br />Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ~ <br />Wolters Kluwer Financial Services <br />i+ <br />,~2. 'LL.C ~"Z ~~ (Seal) <br />Lindsay L H ~ nrichs -Borrower <br />23D756 <br />Fannie Mae 4-2/5-2/6-2 ARM <br />rm 11 1/D1 <br />22R (0804) <br />Initial . Page 4 of 4 <br />