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200205810 <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 />_ (Sea]) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />i � r <br />.� <br />17iD '— (Seal) <br />MELISSA K HOGGATT 03 Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229138 <br />Ot61NE1 (0005) Pose 14 of 15 Form 3028 1101 <br />