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200211937 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />/ /�il �/ (Seal) <br />L SA R A ER ` -Borrower <br />lK� (Seal) <br />DA L J THAYE - Borrower <br />(Seal) (Seal) <br />- Borrower -Borrower <br />(Seal) (Seal) <br />- Borrower -Borrower <br />(Seal) (Seal) <br />- Borrower -Harrower <br />Initials: // <br />4ft-6(NE) (a.,) Page 14 or 15 Fmm 3028 1101 <br />