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200204830 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />orrower <br />(Seal) <br />- orrower <br />(Seal) <br />Borrower <br />4ft-6(NE) (0005) <br />�:0�1 (Seal) <br />RICHARD D KLANECKY - orrower <br />-��D (Seal) <br />MY JO KE --orrower <br />(Seal) <br />orrower <br />(Seal) <br />-- - orrower <br />Page 14 of 15 <br />Initials: <br />(Seal) <br />orrower <br />Form 3028 1 /01 <br />