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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rid <br />Edmund R Kershaw <br />201 300313 <br />(Seal) UCiY` CU(Seal) <br />- Borrower <br />Michelle K Kershaw - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - 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 />