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<br />I- <br /> <br />200701612 <br /> <br />NON-OWNER OCCUPANCY RIDER <br /> <br />[Property Address] <br />In modification of and notwithstanding the provisions of Section 6 of the Security <br />Instrument, Borrower represents that (s)he does not intend to occupy the property described <br />in the Security Instrument as a principal residence. <br /> <br />BY SIGNING BELOW, Borrower agrees to the representations contained in this <br />Non-Owner Occupancy Rider. SPENCER GENERAL PARTNERSHIP <br /> <br /> <br />(SEAl) <br />Borrower <br /> <br />(SEAl) <br />Borrower <br /> <br />Bankers Systems, Inc., St. Cloud, MN Form NOO-R 6/16/2004 <br /> <br />(page 1 of 1) <br />