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200500825 <br />(A) Any such agreements will not affect the amounts that Borrower has agreed to pay for <br />Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount <br />Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. <br />(B) Any such agreements will not affect the rights Borrower has - if any - with respect to the <br />Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights <br />may include the right to receive certain disclosures, to request and obtain cancellation of the <br />Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a <br />refund of any Mortgage 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 and <br />supplements the Security Instrument. <br />(Seal) <br />- Borrower <br />J B. KUTA <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />Borrower <br />[Sign Original Only] <br />[Notary acknowledgement as appropriate to jurisdiction must be added and executed] <br />MULTISTATE MORTGAGE INSURANCE RIDER - Single Family - Fannie Mae UNIFORM INSTRUMENT <br />FNMA3160 (6/00) <br />Page 2 of 2 <br />FORM 3160 4/00 <br />