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200908032 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rid r. <br />(Seal) (Seal) <br />Dan Novinski -Borrower -Borrower <br />~4 ( ^ Seal Seal <br />~l/ ( > ( > <br />Carole J NoVinsk~ ~ -Borrower -Borrower <br />MULTISTATE PUD RIDER- Single Family -Fannie Mae/FreddieMac UNIFORM INSTRUMENT <br />Form 3150 1101 <br />Laser Forms Inc. (800) 446-3555 <br />LFI#FNMA3150 1/D1 Page 3 of 3 <br />