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200213317 <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: <br />CVNEI i000si <br />A// y` / (Seal) <br />MICHAEL N CHRISTENSEN - Borrower <br />l /lvdl l A l 4I / (Seal) <br />CINDY CCHRISTENSEN - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 16 of 15 <br />(Seal) <br />- Borrower <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />Borrower <br />Form 3028 1101 <br />