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20120476� <br />BY SIGNING BELOW, Bonower accepts and agrees to the terms and covenants conta.ined in this <br />PUD Rider. <br />'s�'- ` (Seal) (Seal) <br />John . Goering - Borrower - eorrower <br />, n,, u � <br />l.�-� ' (Seal) <br />Kathleen Fowles GoeMng - aorrower <br />(Seal) <br />-Borrower <br />MULTISTATE PUD RIDER- Single Family - FannleMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3150 1/01 <br />Laser Fortns Inc. (800) 446-3555 <br />LFI #FNMA3150 1/01 Page 3 of 3 <br />