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200212368 <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 />(Seal) <br />LAWRENCE L R ZEKy - - Borrower <br />_ fi,;; Seal) <br />-- NZfiIAA ROZE( - orS <br />(Seal) (Seal) <br />(Seal) (Seat) <br />borrower __..-Borrower <br />(Seat) _ _ (Seal) <br />Borrower Borrower <br />atb(fiE) (aoos) Page 14 of IS Porm 3028 1 /01 <br />