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20030473: <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 />DAVID A KOELZER - Borrower <br />(Seal) <br />K MBERLY K OELZER - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />229404 <br />dM•6(NE) (0005) Pogo 14 of 15 Form 3028 1101 <br />m <br />4 <br />