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MAR -14 -2003 FRI 01:51 PM WELLS FARGO HOME MTG FAX NO. 4025362983 P. 23 <br />200303116 <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 />HI P8H4 AOARNAy - 9oriowel <br />it <br />(Seal) <br />JBBVAN J w - B.ROWer <br />_ (Seal) (Seal) <br />- BOrtower - Borrower <br />— (Seep (Seal) <br />Bmmwer - %rrnwer <br />— (Seal) (Seal) <br />Bo.rowcr - Borrower <br />1k8(NEI.o i >.eeam's Form 3038 L01 <br />