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20020544E <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 />(Seat) <br />RUDNEY ZULK SKI <br />(Seal) <br />DAWN M ZU KDSJ I - BOrtowcr <br />(Seal) (Seal) <br />- B�rzuwer - e�rr�wer <br />(Seal) (Seep <br />- Borrower - Rnrrawer <br />(Seal) (Scsl) <br />- Borrower - Burrower <br />229136 <br />®; 6(NE) (o rosy Poe 14 o15 Form 3038 1101 <br />