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201300127 <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br /> in this 1-4 Family Rider. <br /> SCOTT D KUTSCHEAU <br /> (Seal) SUE A KUTSC /� `- (Seal) <br /> -Borrower Borrower <br /> (Seal) (Seal) <br /> -Bonower -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 />