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20050333'7 <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 />SCOTT SINCLAIR Borrower <br />7 <br />�i (J ✓���� f �, :� t2°CLC -L_ (Seal) <br />D BBe BI SSINCLAIR Borrower <br />SNE17 Rev 12/27/00 Page 17 of 18 Initials: FORM 3028 1101 <br />