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200502861 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained <br />in thi 1 -4 Family Rider. <br />V, L (Se ) (Seal) <br />GORDON H PEDERSEN - Borrower PAMELA M PEDERSEN - 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 />05- 03 -14- 000027 <br />(0-57R (0401).01 Page 3 of 3 Form 3170 1/01 <br />