A composition comprising: (a) from 20 to 60 wt % of a saccharide component comprising from two to five sugar ring units having polymerized units of at least one alkylene oxide selected from the group consisting of ethylene oxide, propylene oxide and butylene oxide bonded to oxygen atoms on said sugar rings and at least three acetoacetyl groups bonded to terminal oxygen atoms of said polymerized units of at least one alkylene oxide; and (b) from 40 to 80 wt % of a non-saccharide component comprising a polyol unit not containing a sugar ring and having a hydroxyl functionality from two to five; said polyol unit having polymerized units of at least one alkylene oxide selected from the group consisting of ethylene oxide, propylene oxide and butylene oxide bonded to hydroxyl oxygen atoms of the polyol and at least two acetoacetyl groups bonded to terminal oxygen atoms of said polymerized units of at least one alkylene oxide; wherein total polymerized units of at least one alkylene oxide comprise from 20 to 80 wt % of said multi-functional additive.