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200212482 <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 />�J (Seal) <br />MARK E O -ALLEY - orrower <br />(Seal) <br />c O MALLEY , - Borrower <br />(Seal) _ <br />Seal <br />- Borrower -Borrower <br />(Seal) <br />_Rnr nmar <br />(Seal) <br />- Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />-- orrower <br />Initials: <br />,qk-6(NE) (0005) Page 14 of 15 Form 3028 1 /O1 <br />