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'200203081 <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 />"R�o(Seal) <br />RONAL rower <br />(Seal) <br />(Seal) (Seal) <br />(Seal) <br />(Seal) <br />Initials:�4 <br />4ft-6(NE) (000s) Page 14 of 15 p� Fonn 3028 1/01 <br />