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200311154 <br />AP# 0495190005 LN# 0495190005 <br />any material information) in connection with the loan evidenced by the Note, including, but not <br />limited to, representations concerning Borrower's occupancy and use of the Property as a second <br />home. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of <br />the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge <br />unless Lender agrees to the merger in writing. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Second Home Rider. <br />—(Seal) UI/ ° (Seal) <br />- Borrower leonard A Hama - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />- (Seal) <br />J anne M Hama Borrower <br />—(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />dM-209U (9705) Page 2 of 2 5/91 <br />