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200301676 <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 />O RIA E. OLIVARES Borrower <br />—� �r- /-�4iG %rYI -F -Di (Seal) <br />JOSE R. RRITOS Borrower <br />Srvf9 Rev 12/27MO Page 17 of 16 mmaia —� 7 -''L.. FORM 0048 VOt <br />