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200203460 <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 />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />4ft-6(NE) (0005) <br />0'P1 3 — (Seal) <br />DAVID G PALU orrower <br />/ J,7(Seal) <br />BETTY L U orrower <br />Page 14 of 15 <br />U <br />(Seal) <br />- Borrower <br />(Seal) <br />(Seal) <br />-- - Borrower <br />Initials-) <br />Form 3028 1 /01 <br />