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200214550 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />Y P. 0IdMW Borrower <br />eal) <br />AN .ORI Borrower <br />SNEn <br />Rev 1219100 <br />Page none <br />inlnai� <br />FORM 0048 <br />LOt <br />