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201002103 <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 />_ (Seal) <br />-Borrower <br />_ (Sea) <br />-Borrowrr <br />_ (Seal) <br />-Borrower <br />oiio~ois~5 <br />(Seal) <br />RAY M S ERS -Borrower <br />C ,, <br />:~~,/~ ~kur~G~/~~--- (Seal) <br />RAE ANN SAUNDERS -Borrowor <br />-B(NE) (oaoz).oz Pe~7e 14 of 15 Form 3028 1/01 <br />