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200210199 <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 />41 o / <br />Stephanie S Karsten, Trustee of the STEPHANIE S KARSTEN <br />REVOCABLE LIVING TRUST, under Trust Agreement as dated <br />June 15°, 2000, made by Stephanie S Karsten as Settlor <br />a (Seal) <br />STEPHANIE S KARSTEN - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower r <br />Stephanie S Karsten, Settlor of the STEPHANIE S KARSTEN REVOCABLE LIVING TRUST under <br />Trust Agreement dated June 15, 2000 agrees that the term "Borrower" when used in this Security <br />Instrument shall include the Settlor, and the Settlor acknowledges and agrees to be bound by all of the <br />term[s and coven s c n t�_ed[_in this Security Instrument and any riders to this Security Instrument. <br />01!),/1 Q/il/ �JIAOw. (Seal) <br />- BOrtower - Borrower <br />Stephanie S Karsten, Settlor <br />(0-61NEI IP.m.e1 Page 13 of 15 Farm 3028 1/01 <br />