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200213405 <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 />Sea]) <br />D J CL - Borrower <br />�wco l�•�Jem9 (moo <br />`�LAVRIE A CLEMANS - Borrower <br />- (Seal) (Seal) <br />Borrower - Borrower <br />(Seal) (Seal) <br />Borrower - Borrower <br />- (Seal) (Seal) <br />Borrower -B.n.wer <br />0110184688 <br />C (INE)i000stoa 11 Form 3028 1101 <br />u <br />