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200204450 <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 />P <br />eal) <br />HEATHER A. GUTIERREZ - Borrower <br />LOUIS A. GUTIERREZ 4 -o er <br />MFNE7770 (12/00) / 041- 371801 -6 <br />- 6A(NE) (0005) Page 14 of 15 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3028 1/01 <br />