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200309413 <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 />DAVID AL WASKOWIAK - Borrower <br />al�2� GgA_�_ <br />7 <br />(Seal) <br />MARY W KOWIAK <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />114- 4772 <br />(M-61NE► (0005) LY214 Page 14 of 15 Form 3028 1101 <br />