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<br />201001291 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />Winn (Seal) (Seal) <br />James D Goo ^an -borrower -Borrower <br />(Seal) (Seal) <br />Tracy D Goo an -eorrower -eorrower <br />MULTISTATE PUD RIDER- Single Family -Fannie Mae/FreddieMac UNIFQRM INSTRUMENT <br />Form 3150 1101 <br />Laser Forms Inc. (80tl) 446-3555 <br />LFI #FNMA3150 1/01 Page 3 of 3 <br />