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200304779 <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 />(Seal) <br />HUG t)-- LOPEZ Borrower <br />CL�VS le/, " 6 (Seal) <br />GLADYS - 'LOPEZ Borrower <br />SNE17 Rev 12/27/00 Page 17 of 18 Initials:4-L-L—L - FORM 3028 1/01 <br />1 <br />I <br />