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.� <br />20120639� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />(Seal) (Seal) <br />Steven F Anderson - sorrower - sorrower <br />(Seal) (Seal) <br />-Borrower -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 />