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200306807 <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 />_ (Seal) <br />Borrower <br />_ (Seal) <br />-Borrower <br />(Seal) <br />Narrower <br />(Seal) <br />DENNIS S'BERAN - Borrower <br />�� —i 4� t"- (Seal) <br />LOIS L BERAN - BOmower <br />_ (Seal) <br />- B ... —r <br />(Seat) <br />Borrower <br />Bonawer <br />229457 <br />® B1NE� t000sl ao�s 14 m i5 Form 3828 1181 <br />