In many recent cases Packet 3 is no longer a physical packet and the instructions are available online or sent automatically once the case is ready. If CEAC shows READY, your fiancé can usually go ahead and complete the DS 160 and follow the embassy specific steps for Morocco, including paying the fee and scheduling the interview. Packet 3 traditionally just explained these steps and listed required documents. Packet 4 is typically the interview appointment confirmation with final instructions, so once the interview is scheduled you are essentially at that stage. It is still a good idea to double check the Morocco embassy website to be sure you are following their current process.