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20130865E <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br /> this PUD Rider <br /> Ir:Kv , (Seal) 1006-4 -es <br /> ark Frhri stenson -Borrower debra J i stenson -Borrower <br /> (Seal) (Seal) <br /> -Borrower -Borrower <br /> (Seal) (Seat) <br /> -Borrower -Borrower <br /> (Seal) (Seal) <br /> -Borrower -Borrower <br /> MULTISTATE PUD RIDER- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br /> VMP®-7R (0811) Page 3 of 3 Form 3150 1/01 <br />