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20021135-1 <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 />(beep <br />Ber�ewrr <br />(Seep <br />Ron'awer <br />(Seep <br />RoROwer <br />'1 <br />✓�L (Seal) <br />HN W ELL - Borrower <br />(Seal) <br />CHERYL VELL - BOnower <br />(Seal) <br />Ron'ower <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />Bbo-.— <br />229247 <br />® ME) None) VWe 14 one form 3028 1101 <br />