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200103815 <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 />,/:\" x-L If 242kmZ (Seal) <br />GERALD P CARKOSKI - Borrower <br />(Seal) <br />Z R CARKOSKI - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />01- 03 -30- 000055 <br />(ob -6(NE) (0005) Page 14 of 15 Form 3028 1/01 <br />5 <br />