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200307431 <br />BY SIGNING BELOW, Borrower acknowledges and agrees to the terms contained in this Floor Rate Rider. <br />(Seal) <br />O ERT L. BREWER f - Borrower <br />G (Seal) <br />DIANE J. BREWS - Borrower <br />(Seal) <br />- Borrower <br />i <br />f <br />u <br />