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BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained <br />in this 1 -4 Family Rider. <br />(Seal) C - -. — (Seal) <br />HARD T H - Borrower SUSAN K HUEBNER - Borrower <br />a-57111 (040101 <br />OD <br />- (Seal) <br />- Borrower <br />.. (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 3 of 3 <br />. .._ (Seal) <br />- Borrower <br />.._.._. (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Form 3170 1/01 <br />