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20120127� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />(Seal) (Seal) <br />Scott A Lemek - Borrower - Borrower <br />(Seal) <br />Llsa K Lemek - sorrower <br />(Seal) <br />-Borrower <br />MULTISTATE PUD RIDER- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3150 1/01 <br />Laser Fortns Inc. (800) 448-3555 <br />LFI#FNMA3150 1l01 Page 3 of3 <br />