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200302596 <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 />A L LOFOREEN 61 Borrower <br />SME17 Rev 12/27M page 1]M IB nlfials A 1 / FORM 31218 1A1 <br />