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200208472 <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 />&,,,, ea �' (Seal) <br />BRUCE BROWN Borrower <br />SNE77 Rev 12/27/00 Page 17 of 18 Inil ials FORM 7028 1101 <br />