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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 />s l "� (Seal) <br />DDANE F TORSON - Borrower <br />(Seal) <br />Rnrrnwer <br />(Seal) <br />Burrower <br />(Seal) <br />Borrower <br />(Seal) <br />TONYA ORSON - Borrower <br />_ (Seal) <br />- DOrrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(-81NE1 mm.., 1, 11 & is Form 3028 1 /01 <br />