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200203361 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) (Seal) <br />TLRESA SPOTANSK - Borrower RUSSELL ROACH - Borrower <br />" ( w (Seal) <br />BARK A SPOTANSKI - Uryoux <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(M-57R (0008) Page 4 of 4 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />02- 02 -27- 000036 <br />Form 3170 1/01 <br />