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20041166'7 <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 />Latrence J. Wicht -13off ower <br />CIL (Seal) <br />--Borrower <br />Debra Wicht <br />(Sign Original Only) <br />002002080872 <br />(M 6(NEj (0005) Page 14 of 15 Form 3028 1/01 <br />