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201706158 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />PUD Rider. <br />SANDA M. MORAR <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />Loan Origination Company & NMLS Id: Five Points Bank of Hastings - 408551 <br />Loan Originator & NMLS Id.: Kelly Sheets - 420303 <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 />