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200407844 <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 />P S. RAMSEL, / Borrower <br />CLC4RiISTI�NE �' �- (Seal) <br />E. HEFFRON Borrower <br />SNE17 Rev 12/27/00 Page 17 of 18 Initial`s. o ` FORM 3028 1/01 <br />4 <br />