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200313252 <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 />— (Seal) <br />- Borrower <br />- (Seal) <br />- Borrower <br />- (Seal) <br />- Borrower <br />, .� e, (Seal) <br />ERNIE R HETRICK - Borrower <br />c d Y <br />seal) <br />SHERI LEI HETRICK - Borrower <br />- (Seal) <br />- Borrower <br />- (Seal) <br />- Borrower <br />- (Seal) <br />- Borrower <br />229583 <br />C-8(NE) (0005) Pogo to of 15 Form 3028 1101 <br />