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200205768 <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 />YlL✓iQ, mil.97i) oP�r_ J (Seal) <br />MA L. LOFGREEN Borrower <br />SNE17 Rev 12/27/00 Page 17 of 10 Initials:_ FORM 3028 1101 <br />