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I Y <br />200702118 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rider. <br />(Seal) (Seal) <br />JAMES B STEVENSON - Borrower DIANE L S S - 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 />VMP ® -57R (0411).01 Page 3 of 3 Form 3170 1/01 <br />