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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 />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />RICHARD W CONRAD - Borrower <br />— w Seal <br />O <br />DENA L CONRAD over <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229535 <br />=- 6(NE) (0005) Pope 14 of 15 Form 3028 1101 <br />