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200212780 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1-4 Family Rider. <br />MARLENE PAUL - - Borrower <br />- Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />Borrower <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />229273 <br />M.570 (0008) Page of 4 Form 3170 1101 <br />