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200209344 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instmment and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />RICHARD R BRATTY / Borrower <br />u 6 <br />(Sea]) <br />MICHELLE L H6ATT - HOrtower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower -B...r <br />(Seal) (Seal) <br />- Borrower - Bomrwer <br />(= 6(NE) moasi veoe Ia o, is Form 3028 1101 <br />