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200212694 <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 />/Cel (Seal) <br />DANIEL KRUSE B— orrower <br />DONNA (Seal) <br />KRUSE trower <br />(Seal) (Seal) <br />- Borrower Borrower <br />(Seal) (Seal) <br />rrower _. _ —_.. grower <br />(Seat) <br />-Borrower <br />(Seal) <br />Inivaia. e� Alm <br />�.�y� (ox, 14 of 15 Form 3028 1 /01 <br />