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200214101 <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 />KEVIN Mp Bgmowvr <br />(Seal) <br />JUDY pp Borrower <br />SNE17 ReP 12/27MO Page 17 o118 FORM ]DPa 1101 <br />