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BY SIGNING BELOW, Borrower accepts and agrees to the terms and <br />covenants contained in this Residential Construction Loan Balloon Rider. <br />MIKKI B LEMMER <br />Multistate — Residential Construction Loan Balloon Rider <br />Ellie Mae, Inc. Page 2 of 2 <br />201805524 <br />DATE <br />GCNSTOBRDU 1016 <br />GCNSTOBRLU (CLS) <br />