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200301746 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />i <br />L JOHNSON / - 8orrawe, SHARON R JOHNSON / - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />17387161 17387161 <br />(M-57R (0008) Page 4 of 4 Form 3170 1101 <br />