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20070231'7 <br />BY SIGNING BELOW, BORROWER accepts and agrees to the terms and covenants <br />contained in this Balloon Rider. <br />t <br />(Seal) <br />LAWRENCE W SPERLING Bo rower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />____ (Seal) <br />- Borrower <br />[Sign Original Only] <br />VMP ® -877R (0402).01 Page 3 of 3 Form 3190 1/01 <br />