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<br />200904727 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Condominium Rider. <br />/~ <br />' \ (Seal) (Seal) <br />Stephen Irwin -Borrower -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />MULTISTATE CONDOMINIUM RIDER- Single Family -FNMA/FHLMC UNIFORM INSTRUMENT <br />Form 3140 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI #FNMA3140 1/01 Puge 3 of 3 <br />