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20160097E <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />(Seal) (Seal) <br />Stanley J Halpin - Borrower - Borrower <br />1 <br />ansa J Halpin <br />Loan Origination Company & NMLS Id: Five Points Bank - 407704 <br />Loan Originator & NMLS Id.: Linda M. Glause - 472712 <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE PUD RIDER - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />FORM 31501/01 <br />Laser Forms Inc. #FNMA3150 1/01 Page 3 of 3 <br />