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200204098 <br />References are to the Internal Revenue Code as amended and in effect on the date of issuance of <br />bonds, the proceeds of which will be used to finance the Securitv Instrument and are deemed to <br />include the implementing regulations. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax- Exempt Financing <br />Rider. <br />Borrdwer KEVIN RGALVAN <br />a,zt - <br />Bo er JE IFER L GALVAN <br />