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200200133 <br />(A) Any such agreements will not affect the amounts that Borrower has agreed <br />to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements <br />will not increase the amount Borrower will owe for Mortgage Insurance, and they <br />will not entitle Borrower to any refund. <br />(B) Any such agreements will not affect the rights Borrower has - if any - with <br />respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or <br />any 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 <br />and supplements the Security Instrument. <br />Timothy WaTI—Lemons <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />MULTISTATE MORTGAGE INSURANCE RIDER - Single Family- Fannie Mae Uniform Instrument Form 3160 4/00 <br />Page 2 of 2 <br />GMACM - CRM. 1 154.MTGINS (0005) <br />1 <br />