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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 />z -Fernandez <br />Seal <br />FHA One To Four Family Rider -NE <br />Wolters Kluwer Financial Services. Inc. <br />2020070220.2.0.3048-J20190326Y <br />1467456 <br />9130/2014 (rev. 2115) <br />0112019 <br />Page 3 of 3 <br />60t <br />