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200401628 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) <br />DONALD E BREWER - Borrower BEVERLY J B R - Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />—(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />— (Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />04- 02 -13- 000034 <br />(M-57R (0008) Page 4 of 4 Form 3170 1/01 <br />M <br />