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200211445 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Second Home Rider. <br />(Sea]) <br />Stephen J Bau a� - Borrower Blizab A Bauer - Borrower <br />Borrower - Borrower <br />_(Seal) <br />(Seal) <br />- Borraxer <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />970367 <br />365R 0011 <br />'� ( ) Page 2 of 2 Form 3090 1101 <br />