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201604777 <br />provide Lender with material information) in connection with the Loan. Material representations include, but <br />are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's second <br />home. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Second <br />Home Rider. <br />-L E. .LA.. - AA (Seal) . !� � c � ^, -U (Seal) <br />Ruth E Hinds -Borrower Kevin L Hinds -Borrower <br />MULTISTATE SECOND HOME RIDER - Single Family <br />Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 2 of 2 <br />IDS, Inc <br />Form 3890 1/01 <br />