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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />Ilip <br />L o <br />Lois M extro <br />201301748 <br />(Seal) (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 />