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2004086'77 <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 />a (Seal) <br />R9 8E MARY DRE40EN I Borrower <br />!, <br />SNE17 Rev 12/27/00 Page 17 of 18 Initials FORM 3028 1/01 <br />