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8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application <br />process, Borrower or any persons or entities acting at the direction of Borrower or with <br />Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or <br />statements to Lender (or failed to provide Lender with material information) in connection with <br />the Loan. Material representations include, but are not limited to, representations concerning <br />Borrower's occupancy of the Property as Borrower's second home. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Second Home Rider. <br />B ent L Fischer <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />MULTISTATE SECOND HOME RIDER- Single Family - FannieMae /Freddie Mac Uniform Instrument <br />Form 3890 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3890 1/01 Page 2 of 2 <br />201307975 <br />