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2Oi8O7iEO <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />Seal (Seal) <br />(Seal) <br />Frank J Kuc ra -Borrower -Borrower <br />(Seal) (Seal) <br />-Borrower -Borrower <br />(Seal) (Seal) <br />-Borrower -Borrower <br />MULTISTATE PUD RIDER—Single Family <br />MODIFIED FOR DEPARTMENT OF VETERANS AFFAIRS <br />(REV. 1/01) Page 3 of 3 <br />DocMagle egbUTES <br />www.docmagic.com <br />