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200207766 <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 />ZUEHLKE ✓ Borcowar <br />i <br />(Seal) <br />TIMOTHY U UEFV Borcower <br />SNE17 Rev 12/27/00 Page 17 of 18 Inilials'� FORM 3048 1/01 <br />