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MAR.21.2002 12 :45PM <br />N0.078 P.39i72 <br />200204237 <br />BY SIGNING I3FLOW, 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 1 ,2/97/00 Page 17 of 1a <br />l) <br />(Small) <br />pRgp�.�Y '�@ti}rotNt� <br />FORM 3038 1101 <br />