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20021219 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terns and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />�j -yip (Seal) <br />BRIAN P D --Borrower <br />-j <br />(azz Q (Seat) <br />WINNIFRE® E POLAND _ - _ _ - - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- - Borrower -... _ _ _.... <br />(Seal) <br />- Borrower <br />CO(NE) (awl) <br />(Seal) <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Initials: <br />��P 3 <br />Page 14 of 6 F. 3028 1 /01 <br />