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200210242 <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 />- Borrower Shirley A. Ni en - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />- Borrower - Borrower <br />C 5711 (0008) Page 4 of 4 Form 3170 1101 <br />I I <br />