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200205244 <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 />RANDEL ANDERSON - Borrower HOLLY ADERSON - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(M-0 57R (0008) Page 4 of 4 Form 3170 1/01 <br />