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200303322 <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 />DANA TONNIGES Borrower <br />(Seal) <br />BRIAN K TONNIGES f Borrower <br />SNE17 Rav I2/27MO Page v of M InlOalz: FORM JOYS 1Nt <br />