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200410047 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Construction /Permanent Rider. <br />(Seer V, (Seal) <br />rrOwRAA ON B <br />LORI A GIBBON BOffOwef <br />_(Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />