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200214046 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Second Home Rider. <br />(Seal) 7 It.4e .C.J""WAka" <br />DAVID H WREN - Borrower PATRICIA PIERARD, by Da d H - Borrower <br />Wren her attorney —in —fact <br />Borrower - Borrower <br />Borrower - Borrower <br />Borrower - Borrower <br />0110185220 <br />Imi 36SR 100111 Page 2 of 2 Form 3890 1101 <br />