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200503343 <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 />'J OHN R STECKMYER Borrower <br />i <br />t l <br />J)Kiii R. Steckmyer, Trustee of, <br />he John R. Steckmyer Reside tial <br />Trust dated April 5, 2005 <br />SNE17 Rev 12127/00 Page 17 of 18 Initials: FORM 3028 1101 <br />