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4 200709331 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />04 (Seal) (Seal) <br />L John Miller - Borrower - Borrower <br />'Ae (Seal) <br />Christine Ann Miller - Borrower - Borrower <br />MULTISTATE PUD RIDER- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3150 1 /01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3150 1/01 Page 3 of 3 <br />