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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD Rider. <br />01.7037 <br />(Seal) <br />Kyle J Stewart - Borrower <br />i <br />_,, i _ _Lao (Seal) <br />Julie E Stewart - Borrower <br />MULTISTATE PUD RIDER -- Single Family — Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3150 1/01 (Page 2 of 2) <br />