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200402275 <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 />(M-6(NE) (000501 <br />� I �ffio i <br />DEBRA J KOZAK <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Page 14 of 15 <br />e9_4) <br />Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Form 3028 1/01 <br />