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200315362 <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 />.4L& (Seal) <br />ROLAND W GAWRYCH - Borrower <br />1)p A J/h � r In ' eal) <br />H A HER M GAWRYCH Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229610 <br />ME) loom Pepe is or 15 Form 3028 1101 <br />