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200204177 <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 />(Seal) <br />(Seal) <br />(Seal) <br />- orrower <br />(Seal) <br />- Borrower <br />(Seal) (Seal) <br />Initials: , <br />4ft-6(NE) (0M) Page 14 of 15 � U Fo 3028 1 /01 <br />