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200212197 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terins and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />/JL�" �4j <br />(Seal) <br />BRUCE E SCHREINER - Borrower <br />tiC/7Y��la��_ (Seal) <br />-- VICKIkJ SC I R - -- -- Borrower <br />(Seal) <br />_- - - Borrower <br />(Seal) <br />$orrowet <br />(Seal) <br />,W(NE)loo.) <br />Page 14 of 15 <br />(Seal) <br />(Seal) <br />-_ -- - Borrower <br />(Seal) <br />- Borrower <br />Initials: <br />� F.3028 1/01 <br />