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IN WITNESS WHEREOF, Borrower(s) has executed this VA Guaranteed Loan and Assumption Policy <br />Rider. <br />Ray4ond P. Pfeif - Borrower <br />- Borrower <br />- Borrower <br />X <br />Holly Y, f eT - Borrower <br />Borrower <br />- Borrower <br />- Borrower - Borrower <br />1-538R (9904).01 Page 3 of 3 <br />