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<br />200601745 <br /> <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 /> <br />Witnesses: <br /> <br />tZn.!d- /J ~- <br />~ES D. CARROTH <br /> <br />(Seal) <br />Borrower <br /> <br />~('"JVI f ~ M ('A /1 .1 U ~ (Seal) <br />SONIA M. CAR UTH Borrower <br /> <br />SNE17 Rev 12/27/00 <br /> <br />Page 17 of 18 <br /> <br />InitiaIS:Vt'C '5.~ <br /> <br />FORM 3028 1/01 <br />