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2005059'72 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rider. <br />(Seal) eal) <br />Y SELZLE - Borrower JODY EL R 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 -06- 000015 <br />40-57R (0411) Page 3 of 3 Form 3170 1/01 <br />