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200212640 <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: /// 7,1 <br />l/✓ iL (Seal) <br />WILLIAM J TOY EY - Borrower <br />(Seal) <br />CQ •LINE I TOWSLEY - Borrower <br />(Seal) (Seal) <br />- HOrrower - Bormwer <br />(Seal) (Seal) <br />- Borrower - BOm,wer <br />(Seal) (Seal) <br />- Borrower - Bormwer <br />(CLIS(NE) ) woosrai Page 14 on s Form 3028 1/01 <br />