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<br />200707297 <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 />~L~ <br /> <br />RANDY L ARE S <br /> <br />(Seal) <br />Borrower <br /> <br />~. #. A~ (Seal) <br />KELLI J ARENS Borrower <br /> <br />SNE17 Rev 12/27/00 <br /> <br />Page 17 of 18 <br /> <br />InitiaIS:"~ ~ m <br /> <br />FORM 3028 1/01 <br />