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200504114 <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 />(Seal) <br />HAROLD D GRAF <br />NON - VeS+ed *USe— required <br />-to 5►an <br />(Seal) <br />ANITA A GRAF <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(Seal) (Seal) <br />Ck6ME) poo5) Page 14 of 15 Form 3028 1101 <br />