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20020015E <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />t_6"2'4 (Seal) <br />HELEN MARTENS - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />=-57R (0008) Page 4 of 4 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />01- 10229031 <br />Form 3170 1101 <br />