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200412310 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />k <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />ANGEL E RAMOS - Borrower <br />(Seal) <br />ELSY R RAMOS - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />0001955559 <br />4 -6(NE) (0005) Page 14 of 15 Form 3028 1/01 <br />V <br />