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200109995 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained <br />in this 1 -4 Family Rider. 1( <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />ADRIANE J ATCH <br />(Seal) <br />Seal ) <br />- Borrower <br />- Borrower <br />JERRY L WATCH <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(ICk-57R (0008) Page 4 of 4 Form 3170 1/01 <br />