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201004990 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable Rate Rider. <br />~~ ~~-l (Seal) <br />James W Lilienthal -Borrower <br />.r. (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />230809 <br />M ULTISTATE ADJUSTABLE RATE RIDER -ARM 5-2 Fannie Mae 4-2/5-2/6-2 ARM <br />Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3111 1/01 <br />VMP ® VMP$22R (0804) <br />Wolters Kluwer Financial Services Initial Page 4 of 4 <br />