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20050`754 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained <br />in this 1 -4 Family Rider. <br />(Seal) �. y (Seal) <br />HOWARD K aoTSFORD - Borrower �BARSARP, J TSI�oRD ' - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />NMFL# 3170 (14FR) Rev 11/24/2004 <br />- -57R (0401).01 Page 3 of 3 <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />