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201301501 <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br /> Instrument and in any Rider executed by Borrower and recorded with it. <br /> 14'Irk c l LLtV1 s IA-A—n _,r° (Seal) <br /> MARY A GUMMING d -Borrower <br /> (Seal) <br /> -Borrower <br /> (Seal) <br /> -Borrower <br /> (Seal) <br /> -Borrower <br /> Refer to the attached Signature Addendum for additional parties and signatures. <br /> 24003722 <br /> NESR4SKA-Single Family-Fannie M ee/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 <br /> VPIP c' VMP6NE) 1105 <br /> Wolters Kites er Financial Services Page 1fi of 17 <br />