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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rider. <br />w 2 /4 <br />Saul Nuncio - Borrower <br />anda Nuncio <br />201210601 <br />P21'' <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />12- 000810 <br />MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP 8 -57R (0811) Page 3 of 3 Form 3170 1/01 <br />