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<br />201005340 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />(Seal) (Seal) <br />ego an n -eorcower -Borrower <br />- (Seal) (Seal) <br />arol L. H son ~ -Borrower -8orcowar <br />MULTISTATE PUD RIDER- Single Family - FannleMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3150 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI#FNMA3150 1/01 Page 3 of 3 <br />