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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Fixed /Adjus able - -te Rider. <br />than T Enck <br />Elizabeth 1 Enck <br />ZIA <br />ADDITIONAL BORROWER SIGNATURES ON NEXT PAGE. <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER -WSJ One -Year LIBOR - Single <br />Uniform Instrument <br />Bankers Systems TMVMP <br />Wolters Kluwer Financial Services <br />i111111iiuw <br />201702495 <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Family- Fannie Mae <br />Form 3187 6/01 (rev. 6/16) <br />VMP168R (1607).00 <br />Page 4 of 5 <br />