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200105194 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />e� (Seal) " (Seal) <br />WENDELL FAIRBANKS - Borrower SARAH FAIRBANKS - Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(M-57R (0008) Page 4 of 4 Form 3170 1/01 <br />