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20021�� -9 <br />BY SIGNING BELOW, Borrower(s) accepts and agrees to the terms and covenants contained in this Rider. <br />()(1----�"11-20-02 <br />Borr wer BOJAMIN J HA Date <br />Borrower <br />Borrower Date Borrower <br />Borrower Date Borrower <br />Page 2 of 2 <br />Date <br />Date <br />Date <br />