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201903444 <br />LOAN #: 2810511 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this 1-4 Family Rider. <br />Nc -I Lf -12 (Seal) <br />PAUL THOMAS BUCK DATE <br />MULTISTATE 1-4 FAMILY RIDER --Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Ellie Mae, Inc. Page 3 of 3 <br />Form 3170 1101 <br />F317ORDU 0307 <br />F317ORLU (CLS) <br />