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200301829 <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 />RAMY J L I .lmrmwer <br />— (Seat) <br />- Borrows <br />— (Seal) (Seal) <br />- Borrow¢ -B er <br />— (Seal) (Seal) <br />- Bormwer - Bormwer <br />— (Seal) (Seal) <br />- Borrows - Borrower <br />(®B(NS)i000s) ".'n.'1s Form 3028 1/01 <br />