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. i <br />., <br />� , . <br />s � <br />�0��0'7425 <br />BY SIGNING BELO , Borrower accepts and agrees to the ternns and covenants contained in this PUD <br />ider. <br />(Seal) (Seal) <br />Daniel E NoVinski .Borrower - Borrawer <br />��� (Seal) <br />Carole J Noviry ki - sorrower <br />(Seal) <br />-Borrower <br />e <br />MULTISTATE PUD Rif]ER- SingVe Family - FannieMae/Fredd'+e Mac UNIFORM INSTRUMENT <br />Form 31501/01 <br />Laser Fortns Inc. (800) 446-3555 <br />LFt#FNMA3150 1/01 Page 3 of 3 <br />