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200412047 <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 />RY S KRAUSS - Borrower <br />L JL120 (Seal) <br />ERICA L KRAUSS - Borrower <br />(M-6(NE) (0005) Page 14 of 15 <br />m <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />229784 <br />Form 3028 1101 <br />