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200315376 <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 />BILL E. -3"t leH*R r Borrower <br />50" IC.; C-hA,AA <br />SNE17 Rev 12/27/00 Page 17 of 18 Initials: FORM 3028 1/01 <br />