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200301077 <br />22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this <br />Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants <br />and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. <br />[Check applicable box(es)] <br />Condominium Rider ❑ Graduated Payment Rider ❑ Other(s) [specify] <br />Planned Unit Development Rider ❑ Growing Equity Rider <br />❑ Adjustable Rate Rider <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any riders) <br />executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />Rif ESPELAND __(Seat) <br />T� yh (Seal) <br />Juyi A. ESPEL - poorower <br />Nnrmwer <br />State of <br />County of <br />This Cure o' rostrum nt was acknowledged before me on this <br />by 4"i ?r/ L.S���/✓/ -� iG/�/� <br />GENERAL NOTARY -Stale W Nehrs W <br />III Ri1IS ANN Wk, <br />- -- -- <br />Np cpm.ow Epp. p-16EWa <br />v,sra fa <br />nory xse6vxz envappn <br />(Title or rank) <br />(Serial number, if any) <br />(Seal) <br />9unower <br />