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r - b <br />�� � �� � � � � <br />BY SIGNING BELOW, Bonower accepts and agrees to the terms and covenants contained in this PUD <br />Rider. <br />(Seal) (Seal) <br />Thomas G Rowe - Borrower - aorrowar <br />(Seal) <br />Ange a owe - Borrower <br />(Seal) <br />-Borrower <br />MULTISTATE PUD RIDER- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 31501/01 <br />Laser Fortns Inc. (800) 446-3555 <br />LFI #FNMA3150 1/01 Page 3 of 3 <br />