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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />(Seal) 1 firee- (Seal) <br />Cook - Borrower Kari J ook - B orrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE PUD RIDER — Single Family <br />Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3150 1/01 Page 3 of 3 <br />201608830 <br />DocMay/c eatimite <br />www.docmagic.com <br />