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4' <br />200405442 <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 />`� (Seal) <br />�AVIER�LA ORR E Borrower <br />SNE17 Rev 12/27/00 Page 17 of 18 Initials: FORM 3028 1 /01 <br />