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200310524 1 Pj <br />200 %.1 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this 1 -4 <br />Family Rider. <br />Q4C.fc_Ci (Seal) <br />JOYCE 0 CLAUSON Borrower <br />(Seal) <br />Borrower <br />MULTISTATE 14 FAMILY RIDER -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 1/01 (page 3 of 3 pages) <br />