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200315433 <br />5PT31009 <br />BY 5IGN ING BELOW, Borrower epts a agrees to the terms and provisions contained in this PUD Rider. <br />- Borrower - Ffiomas L. Kovanda <br />- Borrow4Tr - Mary W. Kovanda - Date - <br />MULTISTATE PUD RIDER -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 31501/01 <br />DOCURPA3. VTX 10/13 /2003 (page 3 of3 pages) <br />