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200508426 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />Gary L. Hurt - Borrower <br />(Seal) <br />Vicky S. - Borrower <br />Page 14 of 15 <br />Initials: L _ dj# <br />