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200312306 <br />BY SIGNING BELOW, Borrower acknowledges and agrees to the terms contained in this Floor Rate Rider. <br />(Seal) <br />BRADLEY J. FIDELDY - Borrower <br />t (Seal) <br />RINELLE FIDELDY - Borrower <br />. R9% <br />(Seal) <br />- Borrower <br />