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200210016 <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 />Borrawe, <br />(Seal) <br />EorraWe' <br />(Seal) <br />- Borrower <br />4LA )11 (Seal) <br />GENE A SCHACHER - AOrmwer <br />PAMELA S SCHACHER - Borrower <br />(Seal) <br />- &grower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Lll V(NE) wrB), rose is or 11 Form 3028 1101 <br />