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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 />RAL L LUCZ <br />- 16:4414699atIL(4,•d b '` v <br />RAMONA L LUCAS <br />MULTISTATE 1-4 FAMILY RIDER— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Ellie Mae, Inc. Page 3 of 3 <br />Jr� /� I <br />/ ' DATE (Seal) <br />S /,5"11(Seal) <br />DATE <br />Form 31701/01 <br />F317ORDU 0307 <br />F3170RLU(CLS) <br />201803202 <br />