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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 />Cody Evan <br />•fIlv (Seal) (Seal) <br />- Borrower - Borrower <br />Katie Evans <br />Loan Origination Company & NMLS Id: Five Points Bank - 407704 <br />Loan Originator & NMLS Id.: Michelle L. Sawicki - 472786 <br />MULTISTATE SECOND HOME RIDER- Single Family Fannie Mae /Freddie Mac Uniform Instrument <br />Form 38901/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI #FNMA3890 1101 Page 2 of 2 <br />2017005 <br />(Seal) (Seal) <br />- Borrower - Borrower <br />