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200213575 <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 />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />AOrrower <br />1 <br />C_ <br />)o (Seat) <br />TIMOTHY O(� SIFHR - Borrower <br />!'L J E "') (Seat) <br />SUSAN E PFHIFB - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />®-BINEI loons of Page ra ot 1 Form 3028 1101 <br />6 <br />