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200201580 <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 />RO ALD E KUBIK Borrower <br />(Seal) <br />ORETTA A KUBIK - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />DOC #:317614 APPL #:0016032310 LOAN #:0016032310 <br />-6(NE) (0005) rage 14 or is Form 3028 1/01 <br />m <br />u <br />