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20030194; <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) (Seat) <br />MELVIN K PA ERSON - Borrower DOREEN P PATTERSON - BOrrewer <br />- Bertower <br />- Bortower <br />(Seal) (Seal) <br />- Bortower - ROrtower <br />(Seal) (Seal) <br />- Borrower - Bortower <br />229351 <br />®i]B (0008) Page of 4 Form 3170 1101 <br />