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200301107 <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 />CH�Cp. (Seal) <br />HOF _ _. __. - Borrower <br />(Seal) <br />F - Borrower <br />(Seal) (Seal) <br />- Borrower -Borrower <br />(Seal) (Seal) <br />$orrower -Borrower <br />_.. <br />(Seal) (Seal) <br />- - Borrower - -- Borrower <br />Initials: 14 <br />�fi(NE)1wos1 Page 14 of 15 XJq Foru 4028 INI <br />1 <br />