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t '�'� � <br />2oioossl4 <br />BY SIG � G�E� OW, Borrower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. / <br />(Seal) <br />-eorrower <br />� (Seal) <br />T my Joy a n _ BorfOWe , <br />MULtISTATE PUD RIpER- Single Family - FannieMaelFreddieMac UNIFORM INSTRUMENT <br />Form 31501I01 <br />L.aser Forms Ina (800) 446-3555 <br />LFI#FNMA3150 1/01 Page 3 of3 <br />(Seal) <br />-eorrower <br />(Seal) <br />-Barrower <br />