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200206698 <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 />4 (Seal) <br />LYL <br />KME—Ti-ek - orrower <br />(Seal) <br />Y A ETZGER - bower <br />-- (Seal) (Seal) <br />borrower - oimwer <br />(Seal) (Seal) <br />ortower - = 8— orrower <br />Seal. <br />-- borrower Borrower <br />Initia ��'�` -- <br />4ft-"E) (0005) Page 14 of 15 Form 3028 M1 <br />