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. r t <br />Vaughan McWilliams <br />October 2, 2008 <br />Page 2 of 2 <br />4. The Contract will be valid and binding against the Borrower when executed <br />and entered into by the CWGB. <br />Sincerely, <br />G <br />/ ~ <br />Tod J. S ith <br />Attorney <br />cc: Board of Directors <br />Michaef Gibson <br />