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<f . . 4 <br />201�.0685� <br />8. Borrower's Loan Application. Bonower shall be in default if, during the Loan application <br />process, Bonower or any persons or entities acting at the direction of Bonower or with Borrower's <br />knowledge or consent gave materially false, misleading, or inaccurate information or statements to <br />Lender (or failed to provide Lender with material information) in connection with the Loan. Material <br />representations include, but are not limited to, representations concerning Borrower's occupancy of <br />the Property as Borrower's second home. <br />BY SIGNING BELOW, Bonower accepts and agrees to the terms and covenants contained in this <br />5econd Home Rider. <br />��� (Seal) (Seal) <br />Ronald E. Krause - sorrower - 9orrower <br />��� (Seal) <br />Sherry L Krau _Borrower <br />MULTISTATE SECOND HOME RIDER- Single Family - FannleMae/FreddieMac Uniform Instrument <br />Form 3890 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI#FNMA3890 1/01 Page 2 of2 <br />(Seal) <br />-Borrower <br />