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200302693 <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 />(=-6A(NE) woo5) <br />t <br />�� y 2/✓,��i e (Seal) <br />Roland w. oavrych - BOrzower <br />Heather M. GawsycF 1 I N..rrower <br />(Sea]) <br />- Borrower <br />(Sea]) <br />Borrower <br />(Seal) <br />- Borrower <br />Gage 16 of 15 <br />_ (Sea]) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Sea]) <br />- Borrower <br />Form 3028 1/01 <br />