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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 />MADISON <br />MULTISTATE 1-4 FAMILY RIDER— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Ellie Mae, Inc. Page 3 of 3 <br />20170590` <br />(Seal) <br />DATE <br />(Seal) <br />DATE <br />Form 3170 1/01 <br />F317ORDU 0307 <br />F317ORLU (CLS) <br />