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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rider. <br />Timothy F Ki <br />April ng <br />201306725 <br />(Seal) I PAL '74 efria (Seal) <br />- Borrower Connie M King - Borrower <br />(Seal) (Seal) <br />- Borrow er - Borrower <br />(Seal) (Seal) <br />- Borrow er - Borrower <br />(Seal) (Seal) <br />- Borrow er - Borrower <br />13- 07- 000124 <br />MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP 8 -57R (0811) Page 3 of 3 Form 31TO 1101 <br />