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200102193 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />GRE,r A. GREER Borrower <br />Page SNE17 Rev 12/27/00 Pa a 17 of 16 Initials: FORM 3028 1/01 <br />