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2O020132S <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any hider executed by Borrower and recorded with it. <br />Witnesses: <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />JIU�4j - (Seal) <br />OHN E N ICKI - Borrower <br />(Seal) <br />JE IFER NOWICKI - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />03- 15229067 <br />6(NE) (ocoei rage is of 15 Form 3828 1181 <br />