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200314304 <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 />DANIEL J RU ICKA - Borrower <br />lJ q' LJ O CA- (Seal) <br />I�ISI D RUZICKA - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />M -6(NE) (0005).01 Page 14 of 15 Form 3028 1/01 <br />e <br />