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200408823 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this 1 -4 <br />Family Rider. <br />(Seal) <br />grower <br />T&4U4'�-(Seal) <br />MICHELE T. SIMMONS <br />Borrower <br />MULTISTATE 14 FAMILY RIDER — Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3170 1/01 (page 3 of 3 pages) <br />