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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />Steven P Downey <br />e2e., ' � � _ tt ,zi <br />ette S Downey <br />Loan Origination Company & NMLS Id: Charter West Bank - 466077 <br />Loan Originator & NMLS Id.: Roberta L Reed - 491146 <br />(Seal) (Seal) <br />-Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE PUD RIDER - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />FORM 3150 1/01 <br />Laser Forms Inc. #FNMA3150 1/01 Page 3 of 3 <br />2016075/1 <br />