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200310374 <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 />Witnesses: <br />C •6(NE) (0005) <br />' l t (Seal) <br />MELIS4 A DJERNES - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Pape 14 of 15 <br />- (Seal) <br />Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229513 <br />Form 3028 1101 <br />I <br />