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200205924 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants auuaincd in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />-- �- (sea,) <br />FRED H NICKEL - Rorrowe. <br />_ (Seal) <br />Borrower <br />— (Swl) (Seal) <br />- Burrower -R—vv- <br />_ (Scup (Seal) <br />Harrower - Rnrmwer <br />(Seal) (Seal) <br />- Borrower eonowrr <br />M-B(NE) moos Page fa of fa Form 3028 1/01 <br />