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200400431 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD <br />Rider. <br />CHRISTOPHER J. <br />(Mo7R (0008) <br />(Seal) <br />JEAJAE M. KARN <br />(Seal) <br />(Seal) <br />(Seal) <br />Page 3 of 3 <br />(Seal) <br />(Seal) <br />(Seal) <br />Form 3150 1/01 <br />I <br />