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200412118 <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 />. ) ig2n e; C" (Seal) <br />RY S KRAUSS - Borrower <br />FVC,0's2 L �.� (Seal) <br />ERICA L KRAUSS - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />040 0• 391 <br />(M•6(NE) mooe) Page is of ie Form 3028 1101 <br />