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200507095 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Second Home <br />Rider. <br />................ .. `.`...... ......... Seal <br />THOMAS HRUZA - Borrower <br />. . <br />. <br />. <br />. <br />. ................. . (Seal) <br />.... 1. <br />JOAN HRU ZA Borrower <br />................................ ............................... (Seal) <br />- Borrower <br />............................... ............................... (Seal) <br />- Borrower <br />MULTISTATE SECOND HOME RIDER -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INS'T'RUMENT Form 3890 1 /01 <br />GV3283,HP (page 2 oft pages) <br />