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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Second Home Rider. <br />(Seal) <br />Ant. . ny F Cook -Borrower <br />MULTISTATE SECOND HOME RIDER - Single Family <br />Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3890 1/01 (rev. 4/19) Page 2 of 2 <br />*DocMagic <br />