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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 />LVINA ROSE <br />ROBERT J ROSE <br />2200833050 <br />MULTISTATE 1-4 FAMILY RIDER -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Bankers Systems^" VMP® <br />Wolters Kluwer Financial Services 2018082318 2 0.1920- J20180426Y <br />201805614 <br />Form 31701/01 <br />03/2017 <br />Page 3 of 3 <br />