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200206718 <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 />JODY GA RS - Borrower <br />W ,' . A3--"- (Seal) <br />WILLIAM A GAVERS - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(M-6(NE) (00051.01 Pape 14 of 15 Form 3028 1/01 <br />9 <br />