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200214680 <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 />/' .—a (Seal) <br />MICHAEL H.FERGEN Borrower <br />(Seal) <br />R E N Borrower <br />SNE17 Rev 12/27/00 Page none Nlojl: FORM 0WO Von <br />