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200313935 <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 />J i.o A Rivas Borrower dy J eks 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 />1772789 <br />dM-57R (0008) Page 4 of 4 Form 3170 1101 <br />QD <br />