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200309231 <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 />DAVID B. BARTZ Borrower <br />(Seal) <br />JEANNINE Y. BA Borrower <br />SNE17 Rev 12/27/00 Page 17 of 16 Initials: FORM 3028 1/01 <br />r <br />1 <br />1r <br />