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2000103^b <br />(B) Any such agreements will not affect the rights Borrower has - if any - with respect <br />to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any <br />other law. These rights may include the right to receive certain disclosures, to <br />request and obtain cancellation of the Mortgage Insurance, to have the Mortgage <br />Insurance terminated automatically, and /or to receive a refund of any Mortgage <br />Insurance premiums that were unearned at the time of such cancellation or <br />termination. <br />By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and <br />supplements the Security Instrument. <br />/ (Seal) <br />RANDALL M. POKOR Y - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Seal) <br />JOW R. POKORNEY - o ower <br />(SPACE BELOW THIS LINE RESERVED FOR ACKNOWLEDGEMENT) <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />MULTISTATE MORTGAGE INSURANCE RIDER - Single Family - Fannie Mae Uniform Instrument Form 3160 (04 -00) <br />Document Systems, Inc. (800) 649-1362 Page 2 of 2 <br />US31602.RDR <br />