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201 10129� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1-4 Family Rider. <br />�� /� � (Seal) <br />Thomas A McHugh -Borrower <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />_ . v�c <br />� eap <br />Patri ci a A McHugh -Borrower <br />_ (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP �-57R (0811) Page 3 of 3 Form 3170 1/01 <br />