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BY SIG <br />in thi <br />PHILIP S RAMSEL <br />OW, Borrow -. accepts and agrees to the terms and covenants contained <br />de <br />(Seal) <br />- Borrower <br />CHRISTINE E RAMSEL <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />-Borrower - Borrower <br />NMLS# 412727 121604 <br />MULTISTATE 1- 4 FAMILY RIDER- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VM P e -57 R (0811) Page 3 of 3 Form 3170 1/01 <br />