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200148321 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />DANIEL E ONEILL - Borrower <br />t <br />(Seal) <br />DIXIE A ONEILL - Borrower <br />ti <br />ME) 10005) <br />— (Seal) <br />- Borrower <br />0 <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 14 of 15 <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />01- 15228920 <br />Form 3028 1101 <br />