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200502555 <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 />SNE17 Rev 12/27/00 <br />Page 17 of 18 <br />y, <br />P� <br />C` (Seal) <br />SAUL A VIkOEN Borrower <br />(Seal) <br />T' L VIROEN Borrower <br />Initials:______ <br />FOR"2E <br />1101 <br />