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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Pi D Rider. <br />Da el E Novinski <br />Carole J Novinski <br />201300380 <br />(Se4) (Seal) <br />- Borrower - Borrower <br />Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE PUD RIDER- Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3150 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3150 1/01 Page 3 of 3 <br />