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200214525 <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 />DANIEL lv LAO ter'r'o r <br />_ (Seal) (Seal) <br />-- Bortower -Borrower <br />(Seal) _ _ (Seal) <br />$drtower - orrower <br />(Seal) (Seal) <br />Borrower — Borrower <br />Ini*-�' Pagc 14 of IS 1.3028 1 /01 <br />