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200203105 <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 />- Borrower <br />v2q (Seal) <br />KAY K*'SIA R JOHNSON - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />MFNE7770(12 /00) 1 041- 376191 -7 <br />(M- 6A(NE) pomi Pepe 14 or rs Form 3028 1101 <br />QD <br />