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2005O2501 <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 />(Seal) <br />DOUG FOTINOS <br />A3L�� '��\ ' (Seal) <br />BETH M. FOTINOS <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(Seal) (Seal) <br />4-6(NE) (000s) Page 14 of 15 Form 3028 1/01 <br />ID <br />