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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Second Home Rider. <br />tephen G. Blackburn <br />Susan B. Blackburn <br />201507889 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE SECOND HOME RIDER - Single Family - Fannie Mae /Freddie Mac cor�NI UNIFORM <br />1/01 <br />INSTRUMENT <br />4) -365R (0811) Page 2 of 2 <br />