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201306443 <br /> BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this 1-4 Family Rider. <br /> (Seal) <br /> Borrowe X YARATH <br /> (Seal) <br /> Borrower KHAO XAYARATH <br /> (Seal) <br /> Borrower <br /> (Seal) <br /> Borrower <br /> MULTISTATE 1-4 FAMILY RIDER—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 31701/01(page 3 of3 pages) <br />