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200105651 <br />BY SI ING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Famil *der. <br />s <br />(Seal) (Seal) <br />JO ATHAN M SMITH - Borrower MELAN E A SMITH - 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 />-57R (0008) Page 4 of 4 Form 3170 1/01 <br />