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20110896G <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Adjustable Rate Rider. <br />�. <br />(Seal) {Seal) <br />SCOTT C KIIEHL -Borrower KL�NDRA R RtJgBL rrower <br />� (Seal) <br />-Borrower <br />— (SeaD <br />-Borrower <br />— (Seal) <br />-Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER - 1-Year LIBOR Index IAssumeble after Initial Period) � <br />Single Femily - Freddie Mac UNIFORM INSTRUMENT <br />VMP � <br />Woltera Kiuwer Financtaf Servicea Initlals: <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />Form 6131 3/04 <br />VMP868R (0804).00 <br />Page 4 of 4 <br />{VI' �� <br />