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200201693 <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 />SNE17 Rev 12/27/00 <br />/)(Seal) <br />RICHARD R. MILES Borrower <br />X /✓L ?/ w& (Seal) <br />TIMOTHY P. Ml .S Borrower <br />Page 17 of 18 Initials. <br />IVl�J <br />FORM 3028 1/01 <br />