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200504146 <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 />FORREST M PONTO <br />EQ— _ -- (Seal) <br />EARLENE A PONTO <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(M 6(NE) poo5) Page 14 of 15 Form 3028 1/01 <br />qD <br />