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200303436 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrmnent and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />SOR T RITCHIE - Rormwa <br />U � (Seal) <br />LAURI A RITCHIE - Bortowa <br />_ (Seal) (Seal) <br />— (Seal) (Seal) <br />- Borrower -BO.. <br />_ (Seal) (Seal) <br />- Borrower - Bortmver <br />® 7 61NEI moos, P, 16 nr m Form 3029 1101 <br />