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200405449 <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 />X,4�� I) <br />MARSHAILI TICE FORGY 114B Iler <br />HOU W-0 <br />SNE17 Rev' 12/27/00 Page 17 of 18 Initials: FORM 3028 1/01 <br />IF <br />