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20020604 <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 />- B"er—r <br />(Seal) <br />Roo nwcr <br />Aurruw�r <br />(Seal) <br />❑o owcr <br />KEVIN LUTZ <br />(Seal) <br />Borrower <br />ANN SUKRAW -LUTZ <br />_ (Seal) <br />- Rmrower <br />(Seal) <br />B."—" <br />(Seal) <br />_ (Seal) <br />- Borrower <br />(0-6AME) mood vase is ons Form 3028 1/01 <br />DDS NET <br />