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200300589 <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 />_ (Seal) <br />-BO¢ r <br />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />J'J'ML ��� (Seal) <br />RICNARD D RAILS - Borrower <br />J � - (Seal) <br />DENISE M RAILS - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />- Bonower <br />M-BINEI Form 3028 1/01 <br />U <br />