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200303321 <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 />RUSSELL D KOSMICKI - Domwer <br />�`- /'Up �✓4:1'.�a (Seal) <br />SHERRY S SMICKI - OOrrower <br />(Seal) (Seal) <br />- UOnower Borrower <br />(Seal) _. — (Seal) <br />- Borrower - Borrower <br />_ (Seal) - (Seal) <br />- Bartow, - Dnn'ower <br />(m-61NF) I...11 r,11 �' a Form 3028 1/01 <br />