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200310878 <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 />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />) <br />�rc ki [Al <br />STEVEN W DOWDING <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />MFNE7770 (12/00) / 041 - 801220 -9 <br />(M- 6A(NE) (0005) Page 14 of 15 Form 3028 1/01 <br />