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2001610031 <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 />ON R RICHARD9 Borrower <br />SNE17 Rev 12/27/00 page 17 of 18 Initial* FORM 3028 1/01 <br />