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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this 1-4 Family Rider. <br />o 77 - ) ./ (Seal) <br />LAURA PARAMO MASCOTS DATE <br />MULTISTATE 14 FAMILY RIDER— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Ellie Mae, Inc. Page 3 of 3 <br />201 702737 <br />Faun 31701/01 <br />F3170RDU 0307 <br />F317ORLU(CLS) <br />