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200209031 <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 />kJ <br />SNE17 <br />Rev 12/27/00 <br />Page 17 of 18 <br />Initials <br />FORM 0029 <br />U01 <br />kJ <br />