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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Second Home Rider. <br />. R Koller <br />MULTISTATE SECOND HOME RIDER— Single Family <br />Fannie Mae/Freddle Mac UNIFORM INSTRUMENT <br />(Seal) (Seal) <br />- Borrower - Borrower <br />Page 2 of 2 <br />2012/0785 <br />Form 3890 1/01 <br />