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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this 1 -4 <br />Family Rider. <br />Borrower <br />Crystal D Winfield <br />,,t i re ____ <br />cott A Winfield <br />Seal <br />Seal <br />201803152 <br />1267908 <br />MULTISTATE 1-4 FAMILY RIDER — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 31701/01 <br />Bankers Systems' VMP® 03/2017 <br />Wolters Kluwer Financial Services 2018051518.2.0.1531J20170812Y Page 3 of 3 <br />