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200312744 <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 />v% JO KE - Borrower <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />i <br />_ (Seal) (Seal) <br />- Borrower GARY L ACK - Borrower <br />NON - VESTED SPOUSE <br />REQUIRED TO SIGN <br />(M 6(NE) (0005) Page 14 of 15 Form 3028 1/01 <br />C016116 12106GRI40 <br />