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200213104 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this 1 -4 <br />Family Rider. <br />(Seal) <br />wrower <br />(Seal) <br />rcrower <br />MULTISTATE 14 FAMILY RIDER-- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3170 1 /01 (page 3 of 3 pages) <br />