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200101576 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) (Seal) <br />S DOUGLAS @JCERA - Borrower ROB 6 T D ALM UI T - Borrower <br />(Seal) W 1 (Seal) <br />TERESA M KUCERA - Borrower MARCIA K A QUIST - Borrower <br />=�57R (0008) <br />— (Seal) <br />- Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 4 of 4 Form 3170 1/01 <br />