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200304786 <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 />ROBERT ESL:'NF - Bnrmwer <br />�/Yfpvl/� (Seal) <br />JftITH G NIEMM Borrower <br />(Seal) —. <br />Borrower <br />(Seal) <br />Burrower <br />(Seal) <br />Burrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />6(NE) Pon, of rge=1a m is Form 3028 1101 <br />