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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contai e. s..in this 1 -4 Family Rider. <br />DAVID F POEHLER <br />MULTISTATE 1-4 FAMILY RIDER— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Ellie Mae, Inc. Page 3 of 3 <br />2 ' / � (Seal) <br />DATE <br />Fonn 3170 1/01 <br />F3170RDU 0307 <br />F317ORLU(CLS) <br />20183509 <br />