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200302860 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider esocuted by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />x�rrower <br />(Seal) <br />Oorrower <br />(Seal) <br />Borrower <br />MARK E. SIMONS <br />_ (Seal) <br />Hormwer <br />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />BOrmwer <br />_ (Seal) <br />xum,wer <br />MFNE9970(12 /00) / MI- 597Q4b <br />(M- CAINE) F.,. 3028 1101 <br />