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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this 1-4 Family Rider. <br />Todd C Enck <br />Kelly A Enck <br />4,1Are <br />MULTISTATE 1 - 4 FAMILY RIDER - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />201800165 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />v"P IONaI1111111111111NaI11oa <br />