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20020903AD <br />` <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 />- Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Bortower <br />C Otlt�- (seal) <br />VERNON C V BHNAI. - Borrower <br />• �. (Seal) <br />LOUISE M VODPENAL - Borrower <br />(M-64NE) 10005).01 Page 14 of 15 <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3028 1/01 <br />r .. <br />