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y ~ '! r <br />201UU544"1 <br />BY SIGNING BELOW, Bprrpwer accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />(Seal) (Seal) <br />Davi J Koubek -Borrower -Borrower <br />(Seal) (Seal) <br />rest B Koubek -Borrower -sorrowar <br />MULTISTATE PUD RIDER- Single Family -Fannie Mae/FreddieMac UNIFORM INSTRUMENT <br />Form 3150 1/01 <br />Laser Forms Inc. (800) 448-3555 <br />LFI#FNMA315D 1101 Page 3 of 3 <br />