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244506021 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rider. <br />-- C l� �Sea1) <br />LOIS A HANK - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />GAY SMITH - Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229862 <br />= -57R (0411) Page 3 of 3 Form 3170 1/01 <br />