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July 9, 2012 <br />Opinion Letter <br />Page: 2 <br />d. the contract will be valid and binding against the BORROWER if entered into by the CWCB. <br />It is my opinion that the contract, when executed, will bind the Company. <br />Please contact me should you require anything further. <br />Thank you. <br />Very Truly Yours, <br />J is Kelly <br />