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200505641 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Balloon <br />Rider. <br />rrowerJAMES P. KRAMER Date <br />Borrower <br />Borrower <br />Borrower <br />Date Borrower <br />Date Borrower <br />Date <br />Date <br />Date <br />MULTISTATE BALLOON RIDER DocMagic 800-64s -1362 <br />04/26/04 Page 2 of 2 www.docmagic.com <br />