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200412047 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) <br />RY#lf S KRAUSS - Borrower <br />EQ� L �� (Seal) <br />ERICA L KRAUSS - 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 />229784 <br />57R(0008) Page 4 of 4 <br />Form 3170 1101 <br />