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2004U0$96 <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 />SNE17 Rev 12/27/00 <br />(Seal) <br />N Borrower <br />WEND D. Z1r ZNACEK Borrower <br />i <br />i 1 l <br />Page 17 of 18 Ini Is: FORM 3028 1/01 <br />