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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this PUD Rider. <br />SHARON L. BREAMAN <br />2O 300341 <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE PUD RIDER - Single Family - Fannie Mae /Freddie Mac UNIFORM INS 3R M 1 <br />VMP 7R (0811) Page 3 of 3 Form <br />