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BY SIGNING BELOW, Borrower accepts a agrees to the terms and covenants contained in <br />this PUD Rider. <br />K Ka <br />(Seal) <br />- Borrower <br />2 01608477 <br />(Seal) <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <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 />VMP ® -7R (0811) Page 3 of 3 Form 3150 1/01 <br />