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200405038 <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) (oom) <br />m <br />(Seal) <br />DAVID L LOF I NG - Borrower <br />(Seal) <br />KATHLEEN J LOFING - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Page 14 of 15 <br />,a <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />229682 <br />Form 3028 1101 <br />