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200305421 <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 />ANDREW S BEIROW - Bormwer <br />1l Z YDC[i (Seal) <br />DAWNITA M BEIROW - Borrower <br />— (Seal) (Seal) <br />- Borrows - Bo..ower <br />_ (Seal) (Seal) <br />- BOaowcr - Bo.rower <br />— (Seal) (Seal) <br />- %.mwcr - Borrower <br /><M 61NE1 i000si 1, leer a Form 3028 1/01 <br />