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20050 855 <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 />JENNIFER HONG.S.FR VR .-' - Borrower IV A: HONGSERMEIE - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />'IeI�iI• $ :' <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(M-57R (0008) Page 4 of 4 Form 3170 1/09 <br />