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200311782 <br />LOAN# 2000390926 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Low <br />Down Payment Mortgage Rider to Security Insbrament <br />Z,�a f i-le�� (Seal) <br />Robert E Haynes/ - Borrower <br />2 (Seal) <br />Marcia C Haynes - Borrower <br />Form #525803 <br />