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200203672 <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 />S N E 17 Rev 12/27/00 <br />.r, <br />Page 17 of 18 <br />al) <br />AUDA MART ODAS rrower <br />Initials: <br />FORM 3028 1101 <br />