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200112305 <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 />wC , '4 / "4L Seal <br />CAROL L NOWKA - Borrower <br />(Seal) <br />ELDON W NOWKA - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />6(NE) mom Page 14 of 15 <br />m <br />j <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />01- 15228996 <br />Form 3028 1101 <br />