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200205147 <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 />orrower <br />(Seal) <br />orrower <br />(Seal) <br />- orrower <br />41gt4(NE) (0005) <br />l(Seal) <br />CUR IS B - orrower <br />(Seal) <br />LEA ANNE CROSIER - orrower <br />Page 14 of 15 <br />Initials: " <br />(Seal) <br />- orrower <br />(Seal) <br />orrower <br />(Seal) <br />orrower <br />Form 3028 1/01 <br />