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200411518 <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 />MARI N SCHREINER - Borrower <br />dot!( (Seal) <br />GR90RY W SCHREINER - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />0065701955 -9701 <br />(M® 6(NE) 10005) Page 14 of 15 11/22/2004 12:55:33 Form 3028 1/01 <br />s <br />