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200315539 <br />BY SIGNING BELOW, Borrower acknowledges and agrees to the terms contained in this Floor Rate Rider. <br />(Seal) <br />ROBERT D. IVEY dR. - Borrower <br />( AC1,q, A�le� (Seal) <br />ALICIA IVEY - Borrower <br />(Seal) <br />- Borrower <br />