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200306103 <br />BY SIGNING BELOW, Borrowcr accepts and agrees to the terns and provisions contained in this <br />1 -4 Family Rider. <br />f(Seal) �(Sea1) <br />JE Y L CHULTZ - Borrower LL S SCH T Borrower <br />- B�rr�wor - Bunuwer <br />- Borrower -err — <br />- Borrower -B�'r wer <br />229448 <br />Ct 5]B (0008) Page of 4 Form 3170 1101 <br />