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200504958 <br />Borrower covenants and agrees that the rights and remedies of the Lender under this <br />Agreement are cumulative of, are not in lieu of but are in addition to, and their exercise or the <br />failure to exercise them shall not constitute a waiver of, any other rights and remedies which <br />Lender shall have under the Note or the Security Instrument. <br />It is agreed that time and the unimpaired security of Lender are the essence of this <br />Agreement. <br />Borrower covenants and agrees that this Agreement represents the final agreement between <br />Borrower and Lender relating to the above described subject matter and may not be contradicted by <br />evidence of prior, contemporaneous or subsequent oral agreements of the parties hereto. Except as <br />expressly provided herein, the Loan and all instruments evidencing and securing same shall remain <br />unaffected, unchanged and unimpaired. In the event of a conflict between the terms of the Note or <br />this Agreement, the terms hereof shall be controlling. By entering into this Agreement, the parties <br />have no intention whatsoever to extinguish or discharge the indebtedness or liens and /or security <br />interests evidenced by the loan instruments or to effect any novation. Borrower further covenants <br />and agrees that there are no unwritten oral agreements between the parties hereto relating to the <br />above described subject matter. <br />EXECUTED this the 31ST day of MAy , 2005 , to be effective <br />WITNESS: <br />AC <br />By; <br />(SEAL- <br />J RON T. RITCHIE <br />A (SEAL) <br />4�L�' <br />LAURI A. RITCHIE <br />D ,HND IAGREQD TO BY THE OWNER AND HOLDER OF SAID NOTE: <br />Name: CH?,TL E G[MINEII'I <br />t' �1•� 11l1'I�� �� <br />NMFL# 2980 12100 <br />SEAL) <br />WITNESS: <br />C. <br />Page 6 of 7 <br />Initials <br />