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200410442 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />! L.L Z' k.QLLz (Seal) <br />ESTHER M. RICKERT - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />iG- / / . (Seal) <br />RONALD A. RICKERT - 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 />