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200409890 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Low <br />Down Payment Mortgage Rider to Security Instrument. <br />(Seal) <br />Kell Burgess - Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE LOW DOWN PAYMENT MORTGAGE RIDER TO SECURITY INSTRUMENT -- Single Family -- Fannie Mae <br />UNIFORM INSTRUMENT <br />0641414 (0007) Page 3 of 3 <br />