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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 />MAUREEN NICKELS <br />MULTISTATE 1-4 FAMILY RIDER— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Ellie Mae, Inc. Page 3 of 3 <br />w /- / 7(Seal) <br />DATE <br />Form 31701/01 <br />F317ORDU 0307 <br />f317ORLU (CLS) <br />201704417 <br />