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200904668 <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 />GERAD J HOWLAND - Borrower <br />LIJ, <br />wlrffi%�' <br />(Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />0110294865 <br />40-6(NE) (0407).02 Page 14 of 15 Form 3028 1/01 <br />OD <br />