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200107291 <br />IN WITNESS WHEREOF, Borrower(s) has executed this VA Guaranteed Loan and Assumption Policy <br />Rider. <br />HOWARD RAYMOND SCHROEDER - Borrower RATHI M SCHROEDER - Borrower <br />- Borrower <br />- Borrower <br />- Borrower <br />dM 538R (9904).01 Page 3 of 3 <br />- Borrower <br />- Borrower <br />- Borrower <br />