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200508833 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1 -4 Family Rider. <br />(Seal) eal) <br />ODD F R I E S E - Borrower r R. Fr sen - 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 />0086434354 <br />®57R (0008) Page 4 of 4 Form 3170 9/09 <br />09/02/2005 3:33:30 PM <br />