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200302242 <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 />eo ^" rk (Seal) <br />COLLEEN L. CRAMER Borrower <br />(Seal) <br />AMES . CRAMER Bower <br />SNE17 <br />Rc IV27NO <br />P...17of18 <br />1 t'. y/ <br />FORM3QaR <br />IMI <br />