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200508819 <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 />r <br />(Seal) <br />PHILLIP J HA E Borrower <br />q�V— (Seal) <br />I L HARD RS Borrower <br />SNE17 Rev 12/27/00 Page 17 of 18 Initials: FORM 3028 1/01 <br />