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200400990 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Second Home Rider. <br />� (Seal) <br />ce . Crooks as Attorney in Fact for -Borrower J ce WYl-on Crooks / - Borrower <br />ussell S. Crooks, borr wer ,� <br />(Seal) (Seal) <br />- Borrower Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(M-365R (001 1) Page 2 of 2 Form 3890 1 /01 <br />