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200309739 <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 />ME A. HORST Borrower <br />(TAIL C. HORST Borrower <br />SNE17 Rev 12127/00 Page 17 of 18 Initials: FORM 3028 1/01 <br />� Y <br />h <br />L <br />1; <br />