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<br />2009U'7889 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />vV Seal Seal <br />( ) ( ) <br />T m A WOjelk -Borrower -Borrower <br />(Seal) (Seal) <br />Jol e M WojClk -Borrower -Borrower <br />MULTISTATE PUD RIDER- Single Family -FannieMaelFreddieMac UNIFORM INSTRUMENT <br />Form 3150 1/01 <br />Laser Forms Inc. (8DD) 446-3555 <br />LFI#FNMA3150 1/01 Page 3 of 3 <br />