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200263637 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) <br />1PffiiDKLL L. BAIRBANKS - Borrower SARAH S. FAIRBANKS - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />_(Seal) (Seal) <br />- Borrower - Borrower <br />57R (0008) Page 4 of 4 Form 3170 1101 <br />