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200210327 <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 />(Se-al) <br />50M J - Borrower <br />6d-ylQ (Seal) <br />DEBRA J LANlZ �BOrtower <br />(Seal) (Seal) <br />- In,.vver - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(W 61NEl mot) m rage is or 15 Form 3028 1101 <br />Y I4 <br />