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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Balloon Rider. <br />RICHARD FRAZER RAFFAELI - Borrower <br />Ci ta)6 Cfait. <br />PAULA JEAN RAFFAEL <br />Document Express, Inc. <br />- Borrower <br />NMLS# 412727 11114263 <br />- Borrower Date <br />- Borrower Date <br />201402686 <br />Date <br />5-5-1(4 <br />Date <br />