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206409451 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained <br />in this 1 -4 Family Rider. <br />(Seal) <br />CARMEN L. FONTENELLE - 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 />(Seal) <br />- Borrower <br />-57R (040101 Page 3 of 3 Form 3170 1/01 <br />MFCD8057 (08/2004) / 042 - 194358.8 <br />