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200213859 <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 />RONALD C SBDL AW - Borrower <br />_ (Seat) <br />Borrower <br />(Seat) <br />Borrower <br />(Seal) <br />- Borrower <br />'UL W - Borrower <br />_ (Seal) <br />- Borrower <br />— (Seat) <br />Borrower <br />(Seal) <br />- Borrower <br />-61NE1 i000si of Page ra or 15 Form 3028 1 /01 <br />