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2 01210005 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in his 1 -4 Family Rider. <br />1 , ' "` - (Seal) 4l 2.Gt/ -rrL (Seal) <br />Vincent A Zavala - Borrower Sharon Zaval d - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP ® -57R (0811) Page 3 of 3 Form 3170 1/01 <br />