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<br />200710.97 <br /> <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 /> <br />Witnesses: <br /> <br />/(~J?U'~ <br /> <br />(Seal) <br />-Borrower <br /> <br />Kent D. Birnie <br /> <br />---------\ .......::>=~. <br /> <br />Yvonne A Birnie <br />(Sign Original Only) <br /> <br />~ <br /> <br />r~~ <br />- o~::~~ <br /> <br />002004931101 <br /><al'l-6A(NE) (0407).01 <br /> <br />Page 14 of 15 <br /> <br />Fonn 3028 1/01 <br />CitlMortgage 3.2.13.20 V6 <br />