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2002092039 <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 />- Borrower <br />Z-1- � <br />MAR& J GALVAN - Borrower <br />'C'IPUCt K (Seal) <br />ARLENE L GALVAN - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(M-61NE) ioo05).01 P., is oe 15 Form 3028 1/01 <br />Ks' <br />