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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />Loan Origination Company & NML S Id Charter West National Bank - 466077 <br />Loan Originator & NMLS id.: Roberta L Reed - 491146 <br />MULTISTATE PUD RIDER- Single Family - Fannie MaelFraddieMac UNIFORM INSTRUMENT <br />Fam 31501/01 <br />Laser Forams tro. (800) 4464536 <br />IBFWAA3150 trot Page 3 of3 <br />201500622 <br />