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<br />BY fJ;;LOL:ce:: agrees 10 Ihe terms anJd:~:V~S:O:s ~nlthis ~::-:xemPI Financing <br /> <br />Borrow r R Y A N . K IRS C 1-1 N E R Date <br />J a n u a r y 11. 2 0 0 6 <br />Date <br /> <br />200600337 <br /> <br />Rider. <br /> <br />Borrower <br /> <br />Non-Purchasing Spouse <br /> <br />Date <br /> <br />Non-Occupying Spouse <br /> <br />Date <br /> <br />NIFA MltB/Furrn E-3 <br />(10105) <br />