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200214085 <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 />Ck61NE1 (0005) <br />(Seal) <br />ES R HO TGREWE - Borrowor <br />BARBARA L HOLTGREWE Borrower <br />(Seal) <br />- B.u.wor <br />(Seal) <br />Borrower <br />(Seal) <br />- BOrrowor <br />Po,e 14 of 15 <br />_ (Seal) <br />- BOrrowor <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- BOrrowor <br />229304 <br />F.,. 3020 1101 <br />